Home Insurance in Stanardsville, Virginia
Homes in Stanardsville carry a median value of $267,300 - 22% lower than the Greene County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Stanardsville was built around 1975. About 42% of homes were built before 1960, about 30 points above Greene County's 12%.
Housing in Stanardsville breaks down to 52% single-family homes and 30% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
71% of owner-occupied homes in Stanardsville 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 39% of occupied homes in Stanardsville are owner-occupied.
Most homes in Stanardsville - 73% - are primarily heated with electricity.
What's the biggest home insurance risk near Stanardsville? FEMA's National Risk Index points to hurricane (Relatively Low) in Greene County and Greene County had 50 active NFIP flood policies as of September 2026. See the full Greene County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $267,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 39% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Greene County | 50 |
| 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)