Home Insurance in Warrenton, Virginia
With a median home value of $478,300, Warrenton is 17% lower than the Fauquier County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Warrenton was built around 1987. About 28% of homes were built before 1960, about 10 points above Fauquier County's 18%.
The housing stock in Warrenton is 72% single-family homes, 16% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
75% of owner-occupied homes in Warrenton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Warrenton are owner-occupied.
In Warrenton, 48% of homes are primarily heated with natural gas.
Fauquier County had 170 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). 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 | $478,300 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)