Home Insurance in St. Paul, Virginia
Homes in St. Paul carry a median value of $176,100 - 46% higher than the Russell County median.
The typical home in St. Paul was built around 1968. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 45% of homes were built before 1960, about 26 points above Russell County's 19%.
In St. Paul, the housing stock is 75% single-family homes, 18% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 44% of owner-occupied homes in St. Paul have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
St. Paul has an owner-occupancy rate of 67% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In St. Paul, 92% of homes are primarily heated with electricity.
Russell County's top FEMA-rated hazard is earthquake (Very Low), per FEMA's National Risk Index. Russell County had 46 active NFIP flood policies as of September 2026. See the full Russell County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake 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 | $176,100 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Earthquake (Very Low) |
| Active NFIP policies in Russell County | 46 |
| 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)