Home Insurance in West Point, Virginia
The median home value in West Point is $286,800, 9% lower than the King William County median.
The typical home in West Point was built around 1972. About 36% of homes were built before 1960, about 21 points above King William County's 14%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In West Point, the housing stock is 94% single-family homes, 1% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
54% of owner-occupied homes in West Point carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in West Point are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 86% of homes in West Point are primarily heated with electricity.
King William County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. King William County had 67 active NFIP flood policies as of September 2026. See the full King William County 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 | $286,800 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in King William County | 67 |
| 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)