Home Insurance in Glade Spring, Virginia
With a median home value of $174,300, Glade Spring is 19% lower than the Washington County median.
The typical home in Glade Spring was built around 1971. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 32% of homes were built before 1960, about 14 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 Glade Spring is 93% single-family homes, 1% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
About 43% of owner-occupied homes in Glade Spring have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Glade Spring has an owner-occupancy rate of 82% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Glade Spring - 77% - are primarily heated with electricity.
Washington County's top FEMA-rated hazard is strong wind (Relatively Moderate), per FEMA's National Risk Index. Washington County had 127 active NFIP flood policies as of September 2026. 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 | $174,300 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)