HomeInsuranceQts

Home Insurance in Williamsburg, Virginia

The median home value in Williamsburg is $428,100, close to the Williamsburg city median.

Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Williamsburg was built around 1987. About 16% of homes were built before 1960, in line with Williamsburg city (16%).

The housing stock in Williamsburg is 59% single-family homes and 27% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.

56% of owner-occupied homes in Williamsburg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Williamsburg has an owner-occupancy rate of 53% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.

Most homes in Williamsburg - 58% - are primarily heated with electricity.

Williamsburg city had 33 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Williamsburg city 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$428,100
Median year built1987
Owner-occupied share53%
Share of owner-occupied homes with a mortgage56%
Top county hazardHurricane (Relatively Low)
Active NFIP policies in Williamsburg city33
Home insurance premium$1,537 - statewide average (NAIC, 2023 data)
Key home insurance figures for Williamsburg, VA

Nearby towns

Sources

Data last updated: 2026-09-29