Home Insurance in Abingdon, Virginia
With a median home value of $228,000, Abingdon is 7% higher than the Washington County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Abingdon was built around 1978. About 24% of homes were built before 1960, about 6 points above Washington County's 18%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Abingdon is 66% single-family homes, 19% apartments in buildings with 5+ units and 4% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
47% of owner-occupied homes in Abingdon carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in Abingdon are owner-occupied.
76% of homes in Abingdon are primarily heated with electricity.
Washington County had 127 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively Moderate). See the full Washington County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $228,000 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Washington County | 127 |
| 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)