Home Insurance in Urbanna, Virginia
Homes in Urbanna carry a median value of $403,700 - 15% higher than the Middlesex County median.
The typical home in Urbanna was built around 1962. About 49% of homes were built before 1960, about 23 points above Middlesex County's 25%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Urbanna is 76% single-family homes and 19% apartments in buildings with 5+ units.
In Urbanna, about 34% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 50%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Urbanna are owner-occupied.
Most homes in Urbanna - 100% - are primarily heated with electricity.
Middlesex County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Middlesex County had 324 active NFIP flood policies as of September 2026. See the full Middlesex 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 | $403,700 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Middlesex County | 324 |
| 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)