Home Insurance in Irvington, Virginia
Homes in Irvington carry a median value of $518,200 - 58% higher than the Lancaster County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Irvington was built around 1977. About 32% of homes were built before 1960, about 15 points above Lancaster County's 17%.
Housing in Irvington breaks down to 98% single-family homes.
63% of owner-occupied homes in Irvington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 21%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 89% of occupied homes in Irvington are owner-occupied.
Most homes in Irvington - 76% - are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Lancaster County's overall risk as Very Low, led by hurricane (Relatively Moderate). Lancaster County had 472 active NFIP flood policies as of September 2026. See the full Lancaster 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 | $518,200 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Lancaster County | 472 |
| 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)