Home Insurance in Haysi, Virginia
Homes in Haysi carry a median value of $115,800 - 13% higher than the Dickenson County median.
The typical home in Haysi was built around 1976. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 35% of homes were built before 1960, about 13 points above Dickenson County's 22%.
The housing stock in Haysi is 64% single-family homes, 14% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
34% of owner-occupied homes in Haysi carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 60% of occupied homes in Haysi are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
94% of homes in Haysi 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.
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 | $115,800 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)