Home Insurance in Toms Brook, Virginia
With a median home value of $226,800, Toms Brook is 23% lower than the Shenandoah County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The median home in Toms Brook was built in 1939 or earlier. About 60% of homes were built before 1960, about 37 points above Shenandoah County's 22%.
The housing stock in Toms Brook is 75% single-family homes, 16% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 74% of owner-occupied homes in Toms Brook have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Toms Brook has an owner-occupancy rate of 73% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Toms Brook - 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.
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.
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 | $226,800 |
|---|---|
| Median year built | 1939 or earlier |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)