Home Insurance in Jonesville, Virginia
Homes in Jonesville carry a median value of $115,400 - 17% higher than the Lee County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Jonesville was built around 1980. About 22% of homes were built before 1960, about 9 points below Lee County's 31%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jonesville is 52% single-family homes, 16% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 35% of owner-occupied homes in Jonesville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Jonesville has an owner-occupancy rate of 30% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
In Jonesville, 94% of homes are primarily heated with electricity.
Lee County had 40 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is wildfire (Relatively Low). See the full Lee County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $115,400 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 30% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Wildfire (Relatively Low) |
| Active NFIP policies in Lee County | 40 |
| 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)