Home Insurance in Westmoreland County, Virginia
With a median home value of $269,600, Westmoreland County is 30% lower than the Virginia median.
The typical home in Westmoreland County was built around 1984. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 25% of homes were built before 1960, about 6 points above Virginia's 19%.
The housing stock in Westmoreland County is 90% single-family homes, 2% apartments in buildings with 5+ units and 8% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 60% of owner-occupied homes in Westmoreland County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 80% of occupied homes in Westmoreland County are owner-occupied. The vacancy rate is 29%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 79% of homes in Westmoreland County are primarily heated with electricity.
The top hazards for Westmoreland County, per FEMA's National Risk Index, are hurricane (Relatively Moderate), coastal flooding (Relatively Moderate) and earthquake (Very Low). 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, Westmoreland County has 388 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 | $269,600 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Coastal Flooding (Relatively Moderate), Earthquake (Very Low) |
| Active NFIP flood policies (county) | 388 |
| 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)