Home Insurance in Windsor, Virginia
The median home value in Windsor is $280,800, 21% lower than the Isle of Wight County median.
The typical home in Windsor was built around 1995. About 12% of homes were built before 1960, in line with Isle of Wight County (12%). Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Windsor, the housing stock is 62% single-family homes, 4% apartments in buildings with 5+ units and 34% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Windsor carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 81% of occupied homes in Windsor are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
88% of homes in Windsor are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Isle of Wight County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Isle of Wight County had 313 active NFIP flood policies as of September 2026. See the full Isle of Wight 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 | $280,800 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Isle of Wight County | 313 |
| 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)