Home Insurance in Gordonsville, Virginia
With a median home value of $272,800, Gordonsville is 25% lower than the Orange County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Gordonsville was built around 1970. About 36% of homes were built before 1960, about 20 points above Orange County's 16%.
In Gordonsville, the housing stock is 77% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Gordonsville, about 69% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Gordonsville has an owner-occupancy rate of 61% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Gordonsville, 62% of homes 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.
FEMA rates Orange County's overall risk as Very Low, led by hurricane (Relatively Low). Orange County had 70 active NFIP flood policies as of September 2026. See the full Orange County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Virginia is $1,537 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $272,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Orange County | 70 |
| 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)