Home Insurance in Herndon, Virginia
With a median home value of $599,100, Herndon is 18% lower than the Fairfax County median.
The typical home in Herndon was built around 1983. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 4% of homes were built before 1960, about 7 points below Fairfax County's 11%.
In Herndon, the housing stock is 71% single-family homes and 27% apartments in buildings with 5+ units.
In Herndon, about 76% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 62% of occupied homes in Herndon are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Herndon - 60% - are primarily heated with electricity.
FEMA rates Fairfax County's overall risk as Relatively High, led by winter weather (Very High). 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.
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 | $599,100 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 76% |
| 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)