Home Insurance in Scott County, Virginia
Homes in Scott County carry a median value of $143,000 - 63% lower than the Virginia median.
The typical home in Scott County was built around 1975. About 32% of homes were built before 1960, about 13 points above Virginia's 19%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Scott County, the housing stock is 77% single-family homes, 2% apartments in buildings with 5+ units and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
34% of owner-occupied homes in Scott County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Scott County are owner-occupied.
87% of homes in Scott County are primarily heated with electricity.
FEMA's National Risk Index lists inland flooding (Relatively Low), earthquake (Relatively Low) and wildfire (Very Low) as the leading hazards for Scott County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Scott County has 54 active NFIP flood policies on file.
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 | $143,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 34% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Low), Earthquake (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 54 |
| Home insurance premium | $1,537 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)