Home Insurance in Strasburg, Virginia
The median home value in Strasburg is $269,100, 9% 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 Strasburg was built around 1986. About 24% of homes were built before 1960, about 1 point above Shenandoah County's 22%.
Housing in Strasburg breaks down to 69% single-family homes and 23% apartments in buildings with 5+ units.
75% of owner-occupied homes in Strasburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Strasburg are owner-occupied.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Strasburg - 75% - are primarily heated with electricity.
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.
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 | $269,100 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 70% |
| 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)