Home Insurance in Pulaski County, Virginia
The median home value in Pulaski County is $191,700, 50% lower than the Virginia median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Pulaski County was built around 1975. About 27% of homes were built before 1960, about 8 points above Virginia's 19%.
In Pulaski County, the housing stock is 76% single-family homes, 7% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Pulaski County, about 55% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Pulaski County has an owner-occupancy rate of 73% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Pulaski County - 73% - are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Pulaski County, per FEMA's National Risk Index, are earthquake (Relatively Low), inland flooding (Relatively Low) and hurricane (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Pulaski County has 72 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $191,700 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 55% |
| Top hazards (FEMA National Risk Index) | Earthquake (Relatively Low), Inland Flooding (Relatively Low), Hurricane (Very Low) |
| Active NFIP flood policies (county) | 72 |
| 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)