Home Insurance in Manassas Park city, Virginia
With a median home value of $395,900, Manassas Park city is close to the Virginia median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Manassas Park city was built around 1997. About 15% of homes were built before 1960, about 4 points below Virginia's 19%.
The housing stock in Manassas Park city is 71% single-family homes, 21% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 79% of owner-occupied homes in Manassas Park city have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 66% of occupied homes in Manassas Park city are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Manassas Park city - 68% - are primarily heated with natural gas.
FEMA's National Risk Index lists hurricane (Very Low), earthquake (Very Low) and strong wind (Relatively Low) as the leading hazards for Manassas Park city. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Manassas Park city had 12 active National Flood Insurance Program policies as of September 2026. 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 | $395,900 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top hazards (FEMA National Risk Index) | Hurricane (Very Low), Earthquake (Very Low), Strong Wind (Relatively Low) |
| Active NFIP flood policies (county) | 12 |
| Home insurance premium | $1,537 - statewide average (NAIC, 2023 data) |
Towns and cities
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)