Home Insurance in Middletown, Virginia
Homes in Middletown carry a median value of $331,600 - 14% lower than the Frederick County median.
The typical home in Middletown was built around 1983. About 17% of homes were built before 1960, about 9 points above Frederick County's 9%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Middletown breaks down to 71% single-family homes and 27% apartments in buildings with 5+ units.
About 72% of owner-occupied homes in Middletown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 61% of occupied homes in Middletown are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Middletown - 75% - are primarily heated with electricity.
What's the biggest home insurance risk near Middletown? FEMA's National Risk Index points to hurricane (Relatively Low) in Frederick County and Frederick County had 100 active NFIP flood policies as of September 2026. See the full Frederick 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 | $331,600 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Frederick County | 100 |
| 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)