Home Insurance in Emporia, Virginia
Homes in Emporia carry a median value of $148,500 - close to the Emporia city median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Emporia was built around 1959. About 53% of homes were built before 1960, in line with Emporia city (53%).
The housing stock in Emporia is 77% single-family homes, 6% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Emporia, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 38% of occupied homes in Emporia are owner-occupied. The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Emporia - 80% - are primarily heated with electricity.
FEMA rates Emporia city's overall risk as Very Low, led by hurricane (Relatively Low). Emporia city had 19 active NFIP flood policies as of September 2026. See the full Emporia city 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 | $148,500 |
|---|---|
| Median year built | 1959 |
| Owner-occupied share | 38% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Emporia city | 19 |
| 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)