Home Insurance in King George County, Virginia
Homes in King George County carry a median value of $428,300 - 12% higher than the Virginia median.
The typical home in King George County was built around 2000. About 8% of homes were built before 1960, about 11 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 King George County is 89% single-family homes, 2% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
74% of owner-occupied homes in King George County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
King George County has an owner-occupancy rate of 76% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in King George County - 81% - are primarily heated with electricity.
The top hazards for King George County, per FEMA's National Risk Index, are hurricane (Relatively Low), coastal flooding (Relatively Low) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
King George County had 41 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.
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 | $428,300 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)