Home Insurance in Tazewell, Virginia
With a median home value of $111,700, Tazewell is 6% lower than the Tazewell County median.
The typical home in Tazewell was built around 1964. About 42% of homes were built before 1960, about 11 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 Tazewell, the housing stock is 81% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
55% of owner-occupied homes in Tazewell carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 58% of occupied homes in Tazewell are owner-occupied. The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Tazewell - 87% - 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.
Tazewell County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Tazewell County had 171 active NFIP flood policies as of September 2026. 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.
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 | $111,700 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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)