Home Insurance in James City County, Virginia
The median home value in James City County is $447,200, 17% higher than the Virginia median.
The typical home in James City County was built around 1997. About 4% of homes were built before 1960, about 15 points below Virginia's 19%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in James City County is 79% single-family homes, 14% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
About 67% of owner-occupied homes in James City County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 77% of occupied homes in James City County are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In James City County, 50% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, James City County's top hazards are hurricane (Relatively Moderate), earthquake (Relatively Low) and inland flooding (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, James City County has 848 active NFIP flood policies on file.
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 | $447,200 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Earthquake (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 848 |
| Home insurance premium | $1,537 - statewide average (NAIC, 2023 data) |
Sources
- 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)