Home Insurance in Round Hill, Virginia
With a median home value of $653,600, Round Hill is 12% lower than the Loudoun County median.
The typical home in Round Hill was built around 1966. About 43% of homes were built before 1960, about 39 points above Loudoun County's 4%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Housing in Round Hill breaks down to 76% single-family homes and 24% apartments in buildings with 5+ units.
In Round Hill, about 75% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 73% of occupied homes in Round Hill are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Round Hill, 64% of homes 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 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 | $653,600 |
|---|---|
| Median year built | 1966 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)