Home Insurance in Edinburg, Virginia
The median home value in Edinburg is $231,500, 21% lower than the Shenandoah County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Edinburg was built around 1967. About 34% of homes were built before 1960, about 12 points above Shenandoah County's 22%.
Housing in Edinburg breaks down to 68% single-family homes, 22% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
75% of owner-occupied homes in Edinburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Edinburg has an owner-occupancy rate of 59% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Edinburg - 72% - 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 Shenandoah County's overall risk as Relatively Low, led by hurricane (Relatively Low). Shenandoah County had 108 active NFIP flood policies as of September 2026. See the full Shenandoah County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $231,500 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 75% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Shenandoah County | 108 |
| 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)