Home Insurance in Mount Jackson, Virginia
With a median home value of $193,000, Mount Jackson is 35% lower than the Shenandoah County median.
The typical home in Mount Jackson was built around 1975. About 29% of homes were built before 1960, about 6 points above Shenandoah County's 22%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Mount Jackson is 67% single-family homes, 6% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 56% of owner-occupied homes in Mount Jackson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 70% of occupied homes in Mount Jackson are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 72% of homes in Mount Jackson are primarily heated with electricity.
Shenandoah County had 108 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Shenandoah County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Virginia is $1,537 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $193,000 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)