Home Insurance in Warren County, Virginia
Homes in Warren County carry a median value of $348,400 - 9% lower than the Virginia median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Warren County was built around 1986. About 20% of homes were built before 1960, in line with Virginia (19%).
The housing stock in Warren County is 88% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 72% of owner-occupied homes in Warren County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Warren County has an owner-occupancy rate of 76% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Most homes in Warren County - 64% - are primarily heated with electricity. Homes heated with propane, fuel oil and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hurricane (Relatively Low), inland flooding (Relatively Low) and earthquake (Very Low) as the leading hazards for Warren 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, Warren County has 163 active NFIP flood policies on file.
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 | $348,400 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Inland Flooding (Relatively Low), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 163 |
| 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)