Home Insurance in Tappahannock, Virginia
With a median home value of $218,800, Tappahannock is 8% lower than the Essex County median.
The typical home in Tappahannock was built around 1977. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 24% of homes were built before 1960, about 3 points below Essex County's 27%.
Housing in Tappahannock breaks down to 53% single-family homes, 35% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
51% of owner-occupied homes in Tappahannock carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 31% of occupied homes in Tappahannock are owner-occupied. The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
95% of homes in Tappahannock are primarily heated with electricity.
Essex County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Essex County had 222 active NFIP flood policies as of September 2026. See the full Essex 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 | $218,800 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 31% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Essex County | 222 |
| 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)