Home Insurance in Hillsboro, Virginia
The median home value in Hillsboro is $631,900, 15% lower than the Loudoun County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Hillsboro was built in 1939 or earlier. About 83% of homes were built before 1960, about 79 points above Loudoun County's 4%.
The housing stock in Hillsboro is 98% single-family homes and 2% apartments in buildings with 5+ units.
84% of owner-occupied homes in Hillsboro carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Hillsboro has an owner-occupancy rate of 95% and a vacancy rate of 27%; unoccupied homes typically need a different coverage form.
39% of homes in Hillsboro are primarily heated with propane. 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 Loudoun County's overall risk as Relatively Low, led by winter weather (Relatively High). 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.
The statewide average premium for a standard HO-3 homeowners policy in Virginia is $1,537 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $631,900 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 95% |
| Share of owner-occupied homes with a mortgage | 84% |
| 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)