Home Insurance in Northumberland County, Virginia
The median home value in Northumberland County is $346,800, 10% lower than the Virginia median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Northumberland County was built around 1989. About 18% of homes were built before 1960, in line with Virginia (19%).
In Northumberland County, the housing stock is 88% single-family homes, 1% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 47% of owner-occupied homes in Northumberland County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Northumberland County has an owner-occupancy rate of 86% and a vacancy rate of 38%; unoccupied homes typically need a different coverage form.
Most homes in Northumberland County - 78% - 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.
Per FEMA's National Risk Index, Northumberland County's top hazards are hurricane (Relatively Moderate), strong wind (Relatively High) and coastal flooding (Relatively Moderate).
Northumberland County had 518 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $346,800 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Strong Wind (Relatively High), Coastal Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 518 |
| Home insurance premium | $1,537 - statewide average (NAIC, 2023 data) |
Sources
- 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)