Home Insurance in Washington County, Virginia
With a median home value of $214,000, Washington County is 44% 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 Washington County was built around 1983. About 18% of homes were built before 1960, about 1 point below Virginia's 19%.
In Washington County, the housing stock is 76% single-family homes, 5% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 47% of owner-occupied homes in Washington County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Washington County has an owner-occupancy rate of 76% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
Most homes in Washington County - 81% - are primarily heated with electricity.
The top hazards for Washington County, per FEMA's National Risk Index, are strong wind (Relatively Moderate), earthquake (Relatively Low) and inland flooding (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Washington County had 127 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
In Virginia, the statewide average premium for a standard HO-3 homeowners policy is $1,537 per year (NAIC, 2023 data).
Key figures
| Median home value | $214,000 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively Moderate), Earthquake (Relatively Low), Inland Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 127 |
| 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)