Home Insurance in Clinchco, Virginia
With a median home value of $40,900, Clinchco is 60% lower than the Dickenson County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Clinchco was built around 1948. About 66% of homes were built before 1960, about 43 points above Dickenson County's 22%.
In Clinchco, the housing stock is 75% single-family homes and 24% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
7% of owner-occupied homes in Clinchco carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 55% of occupied homes in Clinchco are owner-occupied.
91% of homes in Clinchco are primarily heated with electricity.
Dickenson County had 23 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Dickenson 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 | $40,900 |
|---|---|
| Median year built | 1948 |
| Owner-occupied share | 55% |
| Share of owner-occupied homes with a mortgage | 7% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Dickenson County | 23 |
| 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)