Home Insurance in Staunton city, Virginia
Homes in Staunton city carry a median value of $259,200 - 32% lower than the Virginia median.
The typical home in Staunton city was built around 1962. About 45% of homes were built before 1960, about 26 points above Virginia's 19%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Staunton city, the housing stock is 75% single-family homes, 16% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 67% of owner-occupied homes in Staunton city have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Staunton city has an owner-occupancy rate of 61% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
50% of homes in Staunton city are primarily heated with natural gas.
Per FEMA's National Risk Index, Staunton city's top hazards are hurricane (Relatively Low), earthquake (Very Low) and winter weather (Relatively Low). 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, Staunton city has 114 active NFIP flood policies on file.
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 | $259,200 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Earthquake (Very Low), Winter Weather (Relatively Low) |
| Active NFIP flood policies (county) | 114 |
| Home insurance premium | $1,537 - statewide average (NAIC, 2023 data) |
Towns and cities
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)