Home Insurance in Christiansburg, Virginia
With a median home value of $252,600, Christiansburg is 17% lower than the Montgomery County median.
The typical home in Christiansburg was built around 1987. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 14% of homes were built before 1960, in line with Montgomery County (14%).
In Christiansburg, the housing stock is 74% single-family homes, 10% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Christiansburg, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 60% of occupied homes in Christiansburg are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
77% of homes in Christiansburg are primarily heated with electricity.
Montgomery County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. Montgomery County had 164 active NFIP flood policies as of September 2026. See the full Montgomery County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $252,600 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Montgomery County | 164 |
| 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)