Home Insurance in Mount Crawford, Virginia
With a median home value of $291,700, Mount Crawford is 7% lower than the Rockingham County median.
The typical home in Mount Crawford was built around 1991. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 32% of homes were built before 1960, about 11 points above Rockingham County's 21%.
Housing in Mount Crawford breaks down to 90% single-family homes and 9% apartments in buildings with 5+ units.
68% of owner-occupied homes in Mount Crawford carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 77% of occupied homes in Mount Crawford are owner-occupied. The vacancy rate is 7%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Mount Crawford - 66% - 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.
FEMA rates Rockingham County's overall risk as Relatively Low, led by inland flooding (Relatively Moderate). 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.
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 | $291,700 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 68% |
| 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)