Home Insurance in Fairfax County, Virginia
Homes in Fairfax County carry a median value of $732,800 - 91% higher than the Virginia median.
The typical home in Fairfax County was built around 1983. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 11% of homes were built before 1960, about 8 points below Virginia's 19%.
The housing stock in Fairfax County is 68% single-family homes, 29% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 72% of owner-occupied homes in Fairfax County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 69% of occupied homes in Fairfax County are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
54% of homes in Fairfax County are primarily heated with natural gas.
FEMA's National Risk Index lists winter weather (Very High), inland flooding (Relatively High) and strong wind (Relatively High) as the leading hazards for Fairfax County.
Fairfax County had 5,137 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $732,800 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Very High), Inland Flooding (Relatively High), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 5,137 |
| Home insurance premium | $1,537 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)