Home Insurance in Southampton County, Virginia
With a median home value of $216,200, Southampton County is 44% lower than the Virginia median.
The typical home in Southampton County was built around 1981. About 24% of homes were built before 1960, about 5 points above Virginia's 19%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Southampton County, the housing stock is 81% single-family homes, 1% apartments in buildings with 5+ units and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
59% of owner-occupied homes in Southampton County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 76% of occupied homes in Southampton County are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Southampton County, 74% of homes are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hurricane (Relatively Moderate), winter weather (Relatively Low) and earthquake (Very Low) as the leading hazards for Southampton County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Southampton County has 148 active NFIP flood policies on file.
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 | $216,200 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Winter Weather (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 148 |
| Home insurance premium | $1,537 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Courtland
- Median home value: $235,600
- Median year built: 1979
- Owner-occupied share: 51%
-
Newsoms
- Median home value: $164,800
- Median year built: 1958
- Owner-occupied share: 75%
Sources
- 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)