Home Insurance in Cheriton, Virginia
Homes in Cheriton carry a median value of $205,500 - 35% lower than the Northampton County median.
The typical home in Cheriton was built around 1957. About 56% of homes were built before 1960, about 21 points above Northampton County's 35%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Cheriton is 97% single-family homes and 3% mobile or manufactured homes.
About 38% of owner-occupied homes in Cheriton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 59% of occupied homes in Cheriton are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Cheriton - 72% - are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Cheriton? FEMA's National Risk Index points to strong wind (Relatively High) in Northampton County and Northampton County had 384 active NFIP flood policies as of September 2026. See the full Northampton 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 | $205,500 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Northampton County | 384 |
| 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)