Home Insurance in Manassas city, Virginia
With a median home value of $449,900, Manassas city is 17% higher than the Virginia median.
The typical home in Manassas city was built around 1985. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 7% of homes were built before 1960, about 12 points below Virginia's 19%.
Housing in Manassas city breaks down to 74% single-family homes, 22% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
79% of owner-occupied homes in Manassas city carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 71% of occupied homes in Manassas city are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Manassas city - 54% - are primarily heated with electricity.
Per FEMA's National Risk Index, Manassas city's top hazards are hurricane (Relatively Low), earthquake (Very Low) and strong wind (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Manassas city has 44 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Virginia, the statewide average premium for a standard HO-3 homeowners policy is $1,537 per year (NAIC, 2023 data).
Key figures
| Median home value | $449,900 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Earthquake (Very Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 44 |
| Home insurance premium | $1,537 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)