Home Insurance in Gretna, Virginia
Homes in Gretna carry a median value of $138,800 - 14% lower than the Pittsylvania County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Gretna was built around 1965. About 42% of homes were built before 1960, about 20 points above Pittsylvania County's 22%.
Housing in Gretna breaks down to 78% single-family homes, 12% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Gretna, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Gretna has an owner-occupancy rate of 54% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 78% of homes in Gretna are primarily heated with electricity.
Pittsylvania County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Pittsylvania County had 21 active NFIP flood policies as of September 2026. See the full Pittsylvania 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 | $138,800 |
|---|---|
| Median year built | 1965 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Pittsylvania County | 21 |
| 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)