Home Insurance in King and Queen County, Virginia
With a median home value of $231,600, King and Queen County is 40% lower than the Virginia median.
The typical home in King and Queen County was built around 1991. About 19% of homes were built before 1960, in line with Virginia (19%). Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In King and Queen County, the housing stock is 78% single-family homes and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
61% of owner-occupied homes in King and Queen County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
King and Queen County has an owner-occupancy rate of 76% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In King and Queen County, 82% of homes are primarily heated with electricity. Homes heated with wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hurricane (Relatively Low), coastal flooding (Relatively Low) and earthquake (Very Low) as the leading hazards for King and Queen County. 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, King and Queen County has 41 active NFIP flood policies on file.
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 | $231,600 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Coastal Flooding (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 41 |
| 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)