Home Insurance in Prince William County, Virginia
The median home value in Prince William County is $530,100, 38% higher than the Virginia median.
The typical home in Prince William County was built around 1995. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 4% of homes were built before 1960, about 15 points below Virginia's 19%.
The housing stock in Prince William County is 81% single-family homes, 16% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 79% of owner-occupied homes in Prince William County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 74% of occupied homes in Prince William County are owner-occupied.
In Prince William County, 54% of homes are primarily heated with natural gas.
FEMA's National Risk Index lists winter weather (Relatively High), strong wind (Relatively High) and inland flooding (Relatively Moderate) as the leading hazards for Prince William County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Prince William County has 1,032 active NFIP flood policies on file.
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 | $530,100 |
|---|---|
| Median year built | 1995 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 79% |
| Top hazards (FEMA National Risk Index) | Winter Weather (Relatively High), Strong Wind (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 1,032 |
| Home insurance premium | $1,537 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)