Home Insurance in Elkton, Virginia
Homes in Elkton carry a median value of $246,800 - 21% lower than the Rockingham County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Elkton was built around 1978. About 37% of homes were built before 1960, about 17 points above Rockingham County's 21%.
The housing stock in Elkton is 74% single-family homes and 17% apartments in buildings with 5+ units.
64% of owner-occupied homes in Elkton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 62% of occupied homes in Elkton are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Elkton - 76% - 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.
Rockingham County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Rockingham County had 314 active NFIP flood policies as of September 2026. See the full Rockingham County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $246,800 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Rockingham County | 314 |
| 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)