Home Insurance in Charles City County, Virginia
The median home value in Charles City County is $241,400, 37% lower than the Virginia median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Charles City County was built around 1988. About 18% of homes were built before 1960, about 2 points below Virginia's 19%.
The housing stock in Charles City County is 88% single-family homes, 1% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 53% of owner-occupied homes in Charles City County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Charles City County has an owner-occupancy rate of 86% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Charles City County - 79% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Charles City County's top hazards are hurricane (Relatively Low), coastal flooding (Relatively Low) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Charles City County has 17 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 | $241,400 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Coastal Flooding (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 17 |
| Home insurance premium | $1,537 - statewide average (NAIC, 2023 data) |
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)