Home Insurance in Poquoson, Virginia
The median home value in Poquoson is $400,300, close to the Poquoson city median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Poquoson was built around 1977. About 24% of homes were built before 1960, in line with Poquoson city (24%).
The housing stock in Poquoson is 94% single-family homes, 2% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
67% of owner-occupied homes in Poquoson carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Poquoson are owner-occupied.
In Poquoson, 47% of homes are primarily heated with natural gas. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Poquoson city had 2,975 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is coastal flooding (Relatively Moderate). See the full Poquoson city home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $400,300 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Coastal Flooding (Relatively Moderate) |
| Active NFIP policies in Poquoson city | 2,975 |
| 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)