Home Insurance in Harrisonburg, Virginia
The median home value in Harrisonburg is $299,100, close to the Harrisonburg city median.
The typical home in Harrisonburg was built around 1987. About 18% of homes were built before 1960, in line with Harrisonburg city (18%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Harrisonburg is 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.
About 67% of owner-occupied homes in Harrisonburg have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 39% of occupied homes in Harrisonburg are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Harrisonburg, 75% of homes are primarily heated with electricity.
Harrisonburg city had 128 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Harrisonburg city 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 | $299,100 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 39% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Harrisonburg city | 128 |
| 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)