Home Insurance in Dumfries, Virginia
The median home value in Dumfries is $331,800, 37% lower than the Prince William County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Dumfries was built around 1983. About 11% of homes were built before 1960, about 6 points above Prince William County's 4%.
The housing stock in Dumfries is 87% single-family homes, 3% apartments in buildings with 5+ units and 10% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 82% of owner-occupied homes in Dumfries have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 78% of occupied homes in Dumfries are owner-occupied. The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
54% of homes in Dumfries are primarily heated with electricity.
Prince William County's top FEMA-rated hazard is winter weather (Relatively High), per FEMA's National Risk Index. Prince William County had 1,032 active NFIP flood policies as of September 2026. See the full Prince William 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 | $331,800 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 78% |
| Share of owner-occupied homes with a mortgage | 82% |
| Top county hazard | Winter Weather (Relatively High) |
| Active NFIP policies in Prince William County | 1,032 |
| 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)