Home Insurance in Surry County, Virginia
Homes in Surry County carry a median value of $238,800 - 38% lower than the Virginia median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Surry County was built around 1983. About 25% of homes were built before 1960, about 6 points above Virginia's 19%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Surry County is 80% single-family homes, 3% apartments in buildings with 5+ units and 15% mobile or manufactured homes.
In Surry County, about 50% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Surry County has an owner-occupancy rate of 80% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
In Surry County, 65% 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.
Per FEMA's National Risk Index, Surry County's top hazards are hurricane (Relatively Low), coastal flooding (Very Low) and earthquake (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Surry County had 36 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $238,800 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Coastal Flooding (Very Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 36 |
| 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)