Home Insurance in Clifton, Virginia
Homes in Clifton carry a median value of $1,050,000 - 43% higher than the Fairfax County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The median home in Clifton was built in 1939 or earlier. About 58% of homes were built before 1960, about 47 points above Fairfax County's 11%.
In Clifton, the housing stock is 100% single-family homes.
In Clifton, about 77% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 98% of occupied homes in Clifton are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Clifton, 49% of homes are primarily heated with electricity.
Fairfax County's top FEMA-rated hazard is winter weather (Very High), per FEMA's National Risk Index. Fairfax County had 5,137 active NFIP flood policies as of September 2026. See the full Fairfax 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 | $1,050,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 77% |
| Top county hazard | Winter Weather (Very High) |
| Active NFIP policies in Fairfax County | 5,137 |
| 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)