Home Insurance in Hurt, Virginia
Homes in Hurt carry a median value of $150,600 - 7% lower than the Pittsylvania County median.
The typical home in Hurt was built around 1967. About 37% of homes were built before 1960, about 15 points above Pittsylvania County's 22%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Hurt, the housing stock is 92% single-family homes and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hurt, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hurt has an owner-occupancy rate of 76% and a vacancy rate of 11%; 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. 71% of homes in Hurt are primarily heated with electricity.
FEMA rates Pittsylvania County's overall risk as Relatively Low, led by hurricane (Relatively Low). 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.
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 | $150,600 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)