Home Insurance in Occoquan, Virginia
With a median home value of $496,500, Occoquan is 6% lower than the Prince William County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Occoquan was built around 1989. About 11% of homes were built before 1960, about 7 points above Prince William County's 4%.
In Occoquan, the housing stock is 58% single-family homes and 34% apartments in buildings with 5+ units.
86% of owner-occupied homes in Occoquan carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Occoquan are owner-occupied.
70% of homes in Occoquan 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.
In Virginia, the statewide average premium for a standard HO-3 homeowners policy is $1,537 per year (NAIC, 2023 data).
Key figures
| Median home value | $496,500 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 86% |
| 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)