Home Insurance in Surry, Virginia
Homes in Surry carry a median value of $238,500 - close to the Surry County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Surry was built around 1947. About 65% of homes were built before 1960, about 40 points above Surry County's 25%.
In Surry, the housing stock is 99% single-family homes and 1% mobile or manufactured homes.
In Surry, about 58% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 99% of occupied homes in Surry are owner-occupied. The vacancy rate is 11%; 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. In Surry, 59% of homes are primarily heated with electricity.
Surry County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Surry County had 36 active NFIP flood policies as of September 2026. See the full Surry 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 | $238,500 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Surry County | 36 |
| 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)