Home Insurance in Exmore, Virginia
The median home value in Exmore is $152,400, 52% lower than the Northampton County median.
The typical home in Exmore was built around 1978. About 25% of homes were built before 1960, about 10 points below Northampton County's 35%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Exmore, the housing stock is 62% single-family homes, 20% apartments in buildings with 5+ units and 7% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 62% of owner-occupied homes in Exmore have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Exmore has an owner-occupancy rate of 34% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Exmore - 77% - 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.
Northampton County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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 | $152,400 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 34% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)