Home Insurance in Stanley, Virginia
Homes in Stanley carry a median value of $211,000 - 10% lower than the Page County median.
The typical home in Stanley was built around 1972. About 37% of homes were built before 1960, about 2 points above Page County's 35%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Stanley is 79% single-family homes, 7% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Stanley, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 59% of occupied homes in Stanley are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Stanley, 53% of homes 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.
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 | $211,000 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 58% |
| 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)