Home Insurance in Boykins, Virginia
The median home value in Boykins is $192,000, 11% lower than the Southampton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Boykins was built around 1963. About 47% of homes were built before 1960, about 23 points above Southampton County's 24%.
The housing stock in Boykins is 90% single-family homes.
69% of owner-occupied homes in Boykins carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Boykins has an owner-occupancy rate of 73% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
In Boykins, 58% 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.
Southampton County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Southampton County had 148 active NFIP flood policies as of September 2026. See the full Southampton 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 | $192,000 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Southampton County | 148 |
| 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)