Home Insurance in Shenandoah, Virginia
Homes in Shenandoah carry a median value of $212,600 - 9% lower than the Page County median.
The typical home in Shenandoah was built around 1973. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 34% of homes were built before 1960, in line with Page County (35%).
Housing in Shenandoah breaks down to 87% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
73% of owner-occupied homes in Shenandoah carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Shenandoah has an owner-occupancy rate of 76% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Shenandoah - 71% - are primarily heated with electricity.
FEMA rates Page County's overall risk as Very Low, led by hurricane (Relatively Low). 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.
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 | $212,600 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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)