HomeInsuranceQts

Home Insurance in Boyce, Virginia

Homes in Boyce carry a median value of $425,000 - 23% lower than the Clarke County median.

The typical home in Boyce was built around 1979. About 27% of homes were built before 1960, in line with Clarke County (27%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.

Housing in Boyce breaks down to 99% single-family homes.

66% of owner-occupied homes in Boyce carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 83% of occupied homes in Boyce are owner-occupied.

Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Boyce, 47% of homes are primarily heated with electricity.

FEMA rates Clarke County's overall risk as Very Low, led by hurricane (Very Low). 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.

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$425,000
Median year built1979
Owner-occupied share83%
Share of owner-occupied homes with a mortgage66%
Top county hazardHurricane (Very Low)
Active NFIP policies in Clarke County49
Home insurance premium$1,537 - statewide average (NAIC, 2023 data)
Key home insurance figures for Boyce, VA

Nearby towns

Sources

Data last updated: 2026-09-29