Home Insurance in Vienna, Virginia
With a median home value of $1,008,800, Vienna is 38% higher than the Fairfax County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Vienna was built around 1971. About 22% of homes were built before 1960, about 11 points above Fairfax County's 11%.
In Vienna, the housing stock is 89% single-family homes and 11% apartments in buildings with 5+ units.
About 71% of owner-occupied homes in Vienna have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 84% of occupied homes in Vienna are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Vienna - 76% - are primarily heated with natural gas.
What's the biggest home insurance risk near Vienna? FEMA's National Risk Index points to winter weather (Very High) in Fairfax County and 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 | $1,008,800 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)