Home Insurance in Washington, Virginia
With a median home value of $625,000, Washington is 23% higher than the Rappahannock County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The median home in Washington was built in 1939 or earlier. About 85% of homes were built before 1960, about 59 points above Rappahannock County's 26%.
In Washington, the housing stock is 81% single-family homes and 19% apartments in buildings with 5+ units.
53% of owner-occupied homes in Washington carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 47% of occupied homes in Washington are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Washington - 64% - are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Rappahannock County had 33 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very Low). See the full Rappahannock 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 | $625,000 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top county hazard | Hurricane (Very Low) |
| Active NFIP policies in Rappahannock County | 33 |
| 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)