Home Insurance in Stuart, Virginia
Homes in Stuart carry a median value of $182,500 - 19% higher than the Patrick County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Stuart was built around 1970. About 34% of homes were built before 1960, about 11 points above Patrick County's 23%.
The housing stock in Stuart is 60% single-family homes, 29% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Stuart, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 52% of occupied homes in Stuart are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
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 Stuart - 74% - are primarily heated with electricity.
Patrick County had 15 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Patrick 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 | $182,500 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Patrick County | 15 |
| 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)