Home Insurance in Cedar Bluff, Virginia
Homes in Cedar Bluff carry a median value of $111,800 - 5% lower than the Tazewell County median.
The typical home in Cedar Bluff was built around 1967. About 43% of homes were built before 1960, about 12 points above Tazewell County's 31%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Cedar Bluff, the housing stock is 70% single-family homes, 10% apartments in buildings with 5+ units and 14% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 20% of owner-occupied homes in Cedar Bluff have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 64% of occupied homes in Cedar Bluff are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
91% of homes in Cedar Bluff are primarily heated with electricity.
Tazewell County had 171 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). See the full Tazewell County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $111,800 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 64% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Tazewell County | 171 |
| 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)