Home Insurance in Stony Creek, Virginia
Homes in Stony Creek carry a median value of $154,800 - 16% lower than the Sussex County median.
The typical home in Stony Creek was built around 1954. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 59% of homes were built before 1960, about 38 points above Sussex County's 22%.
In Stony Creek, the housing stock is 98% single-family homes and 2% mobile or manufactured homes.
About 59% of owner-occupied homes in Stony Creek have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Stony Creek has an owner-occupancy rate of 75% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 45% of homes in Stony Creek are primarily heated with electricity.
FEMA rates Sussex County's overall risk as Very Low, led by hurricane (Relatively Low). Sussex County had 46 active NFIP flood policies as of September 2026. See the full Sussex County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Virginia is $1,537 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $154,800 |
|---|---|
| Median year built | 1954 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 59% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Sussex County | 46 |
| 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)