Home Insurance in Pearisburg, Virginia
Homes in Pearisburg carry a median value of $157,400 - close to the Giles County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Pearisburg was built around 1963. About 47% of homes were built before 1960, about 7 points above Giles County's 40%.
In Pearisburg, the housing stock is 61% single-family homes, 15% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pearisburg, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Pearisburg are owner-occupied.
84% of homes in Pearisburg are primarily heated with electricity.
Giles County's top FEMA-rated hazard is earthquake (Very Low), per FEMA's National Risk Index. Giles County had 87 active NFIP flood policies as of September 2026. See the full Giles County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Virginia carries a statewide average premium of $1,537 per year.
Key figures
| Median home value | $157,400 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 43% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Giles County | 87 |
| 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)