Home Insurance in Tazewell County, Virginia
Homes in Tazewell County carry a median value of $118,300 - 69% lower than the Virginia median.
The typical home in Tazewell County was built around 1975. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 31% of homes were built before 1960, about 12 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 Tazewell County is 71% single-family homes, 5% apartments in buildings with 5+ units and 22% mobile or manufactured homes.
35% of owner-occupied homes in Tazewell County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Tazewell County has an owner-occupancy rate of 74% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Tazewell County - 80% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists inland flooding (Relatively Moderate), earthquake (Relatively Low) and wildfire (Very Low) as the leading hazards for Tazewell County. 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, Tazewell County has 171 active NFIP flood policies on file.
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 | $118,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Earthquake (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 171 |
| 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)