Home Insurance in The Plains, Virginia
Homes in The Plains carry a median value of $555,600 - close to the Fauquier County median.
The typical home in The Plains was built around 1956. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 54% of homes were built before 1960, about 36 points above Fauquier County's 18%.
In The Plains, the housing stock is 84% single-family homes. The rest are 2-4 unit or other housing types.
In The Plains, about 79% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 35% of occupied homes in The Plains are owner-occupied. The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in The Plains - 54% - are primarily heated with electricity.
What's the biggest home insurance risk near The Plains? FEMA's National Risk Index points to hurricane (Relatively Low) in Fauquier County and Fauquier County had 170 active NFIP flood policies as of September 2026. See the full Fauquier 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 | $555,600 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 35% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Fauquier County | 170 |
| 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)