Home Insurance in Staunton, Virginia
With a median home value of $259,200, Staunton is close to the Staunton city median.
The typical home in Staunton was built around 1962. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 45% of homes were built before 1960, in line with Staunton city (45%).
Housing in Staunton breaks down to 75% single-family homes, 16% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Staunton, about 67% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Staunton 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 are primarily heated with natural gas.
Staunton city's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Staunton city had 114 active NFIP flood policies as of September 2026. See the full Staunton city 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 | $259,200 |
|---|---|
| Median year built | 1962 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 67% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Staunton city | 114 |
| 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)