Home Insurance in Campbell County, Virginia
With a median home value of $211,600, Campbell County is 45% lower than the Virginia median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Campbell County was built around 1982. About 17% of homes were built before 1960, about 2 points below Virginia's 19%.
In Campbell County, the housing stock is 70% single-family homes, 7% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
53% of owner-occupied homes in Campbell County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 75% of occupied homes in Campbell County are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Campbell County - 82% - are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hurricane (Relatively Low), strong wind (Relatively Moderate) and earthquake (Relatively Low) as the leading hazards for Campbell County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Campbell County has 32 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
The statewide average premium for a standard HO-3 homeowners policy in Virginia is $1,537 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $211,600 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Strong Wind (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 32 |
| Home insurance premium | $1,537 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)