Home Insurance in Ivor, Virginia
Homes in Ivor carry a median value of $194,500 - 10% 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 Ivor was built around 1958. About 53% of homes were built before 1960, about 29 points above Southampton County's 24%.
Housing in Ivor breaks down to 95% single-family homes.
67% of owner-occupied homes in Ivor carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 74% of occupied homes in Ivor are owner-occupied. The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
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 Ivor - 72% - are primarily heated with electricity.
FEMA rates Southampton County's overall risk as Very Low, led by hurricane (Relatively Moderate). 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.
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 | $194,500 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 67% |
| 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)