Home Insurance in Dungannon, Virginia
Homes in Dungannon carry a median value of $79,200 - 45% lower than the Scott County median.
The typical home in Dungannon was built around 1980. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 28% of homes were built before 1960, about 4 points below Scott County's 32%.
In Dungannon, the housing stock is 66% single-family homes, 4% apartments in buildings with 5+ units and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Dungannon, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Dungannon has an owner-occupancy rate of 54% and a vacancy rate of 22%; unoccupied homes typically need a different coverage form.
Most homes in Dungannon - 80% - are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Scott County's overall risk as Very Low, led by inland flooding (Relatively Low). Scott County had 54 active NFIP flood policies as of September 2026. See the full Scott 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 | $79,200 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Inland Flooding (Relatively Low) |
| Active NFIP policies in Scott County | 54 |
| 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)