Home Insurance in Hamilton, Virginia
Homes in Hamilton carry a median value of $531,300 - 29% lower than the Loudoun County median.
The typical home in Hamilton was built around 1973. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 38% of homes were built before 1960, about 34 points above Loudoun County's 4%.
In Hamilton, the housing stock is 92% single-family homes and 3% apartments in buildings with 5+ units.
72% of owner-occupied homes in Hamilton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 86% of occupied homes in Hamilton are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 66% of homes in Hamilton are primarily heated with electricity.
What's the biggest home insurance risk near Hamilton? FEMA's National Risk Index points to winter weather (Relatively High) in Loudoun County and Loudoun County had 581 active NFIP flood policies as of September 2026. See the full Loudoun 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 | $531,300 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Loudoun County | 581 |
| 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)