Home Insurance in Dublin, Virginia
The median home value in Dublin is $180,500, 6% lower than the Pulaski County median.
The typical home in Dublin was built around 1972. About 34% of homes were built before 1960, about 7 points above Pulaski County's 27%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Dublin, the housing stock is 45% single-family homes, 27% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 58% of owner-occupied homes in Dublin have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 41% of occupied homes in Dublin are owner-occupied.
85% of homes in Dublin are primarily heated with electricity.
Pulaski County had 72 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Low). See the full Pulaski County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
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 | $180,500 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 41% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Pulaski County | 72 |
| 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)