Home Insurance in Leesburg, Virginia
The median home value in Leesburg is $667,800, 10% lower than the Loudoun County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Leesburg was built around 1993. About 5% of homes were built before 1960, in line with Loudoun County (4%).
The housing stock in Leesburg is 72% single-family homes, 24% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Leesburg, about 82% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 69% of occupied homes in Leesburg are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Leesburg, 58% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Leesburg? 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.
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 | $667,800 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 82% |
| 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)