Home Insurance in McKenney, Virginia
Homes in McKenney carry a median value of $212,000 - 18% lower than the Dinwiddie County median.
The typical home in McKenney was built around 1965. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 37% of homes were built before 1960, about 24 points above Dinwiddie County's 13%.
In McKenney, the housing stock is 81% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
46% of owner-occupied homes in McKenney carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
McKenney has an owner-occupancy rate of 74% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in McKenney - 77% - are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Dinwiddie County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Dinwiddie County had 26 active NFIP flood policies as of September 2026. See the full Dinwiddie 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 | $212,000 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Dinwiddie County | 26 |
| 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)