Home Insurance in Purcellville, Virginia
The median home value in Purcellville is $654,200, 12% lower than the Loudoun County median.
The typical home in Purcellville was built around 2000. About 12% of homes were built before 1960, about 8 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.
In Purcellville, the housing stock is 92% single-family homes and 6% apartments in buildings with 5+ units.
In Purcellville, about 89% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Purcellville are owner-occupied.
52% of homes in Purcellville are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Loudoun County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. 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 | $654,200 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 89% |
| 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)