Home Insurance in Capron, Virginia
The median home value in Capron is $187,500, 13% lower than the Southampton County median.
The typical home in Capron was built around 1945. About 54% of homes were built before 1960, about 30 points above Southampton County's 24%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Capron is 68% single-family homes, 11% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 60% of owner-occupied homes in Capron have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Capron has an owner-occupancy rate of 66% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Capron - 68% - 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.
What's the biggest home insurance risk near Capron? FEMA's National Risk Index points to hurricane (Relatively Moderate) in Southampton County and 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.
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 | $187,500 |
|---|---|
| Median year built | 1945 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 60% |
| 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)