Home Insurance in Haymarket, Virginia
The median home value in Haymarket is $580,800, 10% higher than the Prince William County median.
The typical home in Haymarket was built around 1996. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 2% of homes were built before 1960, about 2 points below Prince William County's 4%.
The housing stock in Haymarket is 97% single-family homes and 3% apartments in buildings with 5+ units.
About 83% of owner-occupied homes in Haymarket have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 1%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 92% of occupied homes in Haymarket are owner-occupied.
Most homes in Haymarket - 62% - are primarily heated with natural gas.
What's the biggest home insurance risk near Haymarket? FEMA's National Risk Index points to winter weather (Relatively High) in Prince William County and 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 | $580,800 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 92% |
| Share of owner-occupied homes with a mortgage | 83% |
| 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)