Home Insurance in Fries, Virginia
Homes in Fries carry a median value of $121,600 - 19% lower than the Grayson County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Fries was built in 1939 or earlier. About 80% of homes were built before 1960, about 48 points above Grayson County's 32%.
Housing in Fries breaks down to 94% single-family homes and 6% apartments in buildings with 5+ units.
In Fries, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 75% of occupied homes in Fries are owner-occupied. The vacancy rate is 46%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 71% of homes in Fries are primarily heated with electricity.
FEMA rates Grayson County's overall risk as Very Low, led by hurricane (Very Low). Grayson County had 15 active NFIP flood policies as of September 2026. See the full Grayson 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 | $121,600 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Hurricane (Very Low) |
| Active NFIP policies in Grayson County | 15 |
| 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)