Home Insurance in Culpeper, Virginia
With a median home value of $390,000, Culpeper is close to the Culpeper County median.
The typical home in Culpeper was built around 1998. About 13% of homes were built before 1960, in line with Culpeper County (13%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Culpeper, the housing stock is 80% single-family homes, 14% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Culpeper, about 84% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Culpeper has an owner-occupancy rate of 59% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
56% of homes in Culpeper are primarily heated with natural gas.
Culpeper County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Culpeper County had 49 active NFIP flood policies as of September 2026. See the full Culpeper 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 | $390,000 |
|---|---|
| Median year built | 1998 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 84% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Culpeper 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)