Home Insurance in Manassas, Virginia
Homes in Manassas carry a median value of $449,900 - close to the Manassas city median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Manassas was built around 1985. About 7% of homes were built before 1960, in line with Manassas city (7%).
In Manassas, the housing stock is 74% single-family homes, 22% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Manassas, about 79% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Manassas has an owner-occupancy rate of 71% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
Most homes in Manassas - 54% - are primarily heated with electricity.
FEMA rates Manassas city's overall risk as Very Low, led by hurricane (Relatively Low). Manassas city had 44 active NFIP flood policies as of September 2026. See the full Manassas city 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 | $449,900 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Manassas city | 44 |
| 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)