Home Insurance in Clarke County, Virginia
Homes in Clarke County carry a median value of $550,100 - 43% higher than the Virginia median.
The typical home in Clarke County was built around 1980. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 27% of homes were built before 1960, about 7 points above Virginia's 19%.
Housing in Clarke County breaks down to 92% single-family homes, 5% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Clarke County, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 81% of occupied homes in Clarke County are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Clarke County - 53% - are primarily heated with electricity. Homes heated with propane, fuel oil 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, Clarke County's top hazards are hurricane (Very Low), earthquake (Very Low) and wildfire (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Clarke County has 49 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Virginia, the statewide average premium for a standard HO-3 homeowners policy is $1,537 per year (NAIC, 2023 data).
Key figures
| Median home value | $550,100 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top hazards (FEMA National Risk Index) | Hurricane (Very Low), Earthquake (Very Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 49 |
| 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)