Home Insurance in Waynesboro, Virginia
The median home value in Waynesboro is $245,500, close to the Waynesboro city median.
The typical home in Waynesboro was built around 1969. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 36% of homes were built before 1960, in line with Waynesboro city (36%).
The housing stock in Waynesboro is 73% single-family homes and 15% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Waynesboro, about 73% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Waynesboro has an owner-occupancy rate of 60% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
48% of homes in Waynesboro are primarily heated with natural gas.
Waynesboro city's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Waynesboro city had 110 active NFIP flood policies as of September 2026. See the full Waynesboro city home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $245,500 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Waynesboro city | 110 |
| 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)