Home Insurance in Middleburg, Virginia
The median home value in Middleburg is $777,000, close to the Loudoun County median.
The typical home in Middleburg was built around 1980. About 32% of homes were built before 1960, about 29 points above Loudoun County's 4%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Middleburg is 89% single-family homes and 9% apartments in buildings with 5+ units.
In Middleburg, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Middleburg has an owner-occupancy rate of 67% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Middleburg, 68% of homes are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Loudoun County had 581 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is winter weather (Relatively High). 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 | $777,000 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)