Home Insurance in Dickenson County, Virginia
With a median home value of $102,700, Dickenson County is 73% lower than the Virginia median.
The typical home in Dickenson County was built around 1982. About 22% of homes were built before 1960, about 3 points above Virginia's 19%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Dickenson County is 70% single-family homes, 2% apartments in buildings with 5+ units and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 34% of owner-occupied homes in Dickenson County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Dickenson County has an owner-occupancy rate of 76% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Dickenson County - 84% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Dickenson County, per FEMA's National Risk Index, are wildfire (Relatively Low), strong wind (Relatively Moderate) and hurricane (Very Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Dickenson County has 23 active NFIP flood policies on file.
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 | $102,700 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top hazards (FEMA National Risk Index) | Wildfire (Relatively Low), Strong Wind (Relatively Moderate), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 23 |
| 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)