Home Insurance in Luray, Virginia
Homes in Luray carry a median value of $253,900 - 9% higher than the Page County median.
The typical home in Luray was built around 1961. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 49% of homes were built before 1960, about 14 points above Page County's 35%.
The housing stock in Luray is 89% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 49% of owner-occupied homes in Luray have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Luray has an owner-occupancy rate of 65% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Luray - 68% - 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.
Page County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Page County had 120 active NFIP flood policies as of September 2026. See the full Page 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 | $253,900 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Page County | 120 |
| 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)