Home Insurance in Glasgow, Virginia
With a median home value of $131,300, Glasgow is 47% lower than the Rockbridge County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Glasgow was built around 1961. About 46% of homes were built before 1960, about 18 points above Rockbridge County's 28%.
In Glasgow, the housing stock is 89% single-family homes, 6% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
70% of owner-occupied homes in Glasgow carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Glasgow are owner-occupied.
Most homes in Glasgow - 71% - 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.
What's the biggest home insurance risk near Glasgow? FEMA's National Risk Index points to hurricane (Relatively Low) in Rockbridge County and Rockbridge County had 124 active NFIP flood policies as of September 2026. See the full Rockbridge County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $131,300 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Rockbridge County | 124 |
| 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)