Home Insurance in Frederick County, Virginia
The median home value in Frederick County is $386,000, close to the Virginia median.
The typical home in Frederick County was built around 1996. About 9% of homes were built before 1960, about 11 points below Virginia's 19%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Frederick County, the housing stock is 86% single-family homes, 7% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Frederick County, about 66% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Frederick County has an owner-occupancy rate of 79% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Most homes in Frederick County - 50% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hurricane (Relatively Low), winter weather (Relatively Moderate) and inland flooding (Relatively Low) as the leading hazards for Frederick County.
Frederick County had 100 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $386,000 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 66% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Winter Weather (Relatively Moderate), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 100 |
| Home insurance premium | $1,537 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)