Home Insurance in Clarksville, Virginia
The median home value in Clarksville is $221,400, 15% higher than the Mecklenburg County median.
The typical home in Clarksville was built around 1965. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 43% of homes were built before 1960, about 22 points above Mecklenburg County's 21%.
In Clarksville, the housing stock is 80% single-family homes, 11% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Clarksville, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Clarksville has an owner-occupancy rate of 68% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 82% of homes in Clarksville are primarily heated with electricity.
Mecklenburg County had 43 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Mecklenburg County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $221,400 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Mecklenburg County | 43 |
| 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)