Home Insurance in Grottoes, Virginia
With a median home value of $275,700, Grottoes is 12% lower than the Rockingham County median.
The typical home in Grottoes was built around 1991. About 16% of homes were built before 1960, about 5 points below Rockingham County's 21%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Grottoes, the housing stock is 80% single-family homes and 14% apartments in buildings with 5+ units.
In Grottoes, about 65% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Grottoes has an owner-occupancy rate of 81% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 89% of homes in Grottoes are primarily heated with electricity.
Rockingham County had 314 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). 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 | $275,700 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 65% |
| 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)