Home Insurance in Berryville, Virginia
With a median home value of $550,500, Berryville is close to the Clarke County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Berryville was built around 1996. About 24% of homes were built before 1960, about 3 points below Clarke County's 27%.
The housing stock in Berryville is 84% single-family homes and 12% apartments in buildings with 5+ units.
About 83% of owner-occupied homes in Berryville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 68% of occupied homes in Berryville are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
47% of homes in Berryville 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.
What's the biggest home insurance risk near Berryville? FEMA's National Risk Index points to hurricane (Very Low) in Clarke County and Clarke County had 49 active NFIP flood policies as of September 2026. See the full Clarke County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $550,500 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 83% |
| Top county hazard | Hurricane (Very Low) |
| Active NFIP policies in Clarke County | 49 |
| Home insurance premium | $1,537 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- 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)