Home Insurance in Harrisonburg city, Virginia
The median home value in Harrisonburg city is $299,100, 22% lower than the Virginia median.
The typical home in Harrisonburg city was built around 1987. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 18% of homes were built before 1960, in line with Virginia (19%).
Housing in Harrisonburg city breaks down to 59% single-family homes, 28% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
67% of owner-occupied homes in Harrisonburg city carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 39% of occupied homes in Harrisonburg city are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
75% of homes in Harrisonburg city are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively Low), earthquake (Relatively Low) and strong wind (Relatively Moderate) as the leading hazards for Harrisonburg city. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Harrisonburg city had 128 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 | $299,100 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 39% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Earthquake (Relatively Low), Strong Wind (Relatively Moderate) |
| Active NFIP flood policies (county) | 128 |
| Home insurance premium | $1,537 - statewide average (NAIC, 2023 data) |
Towns and cities
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)