Home Insurance in Wytheville, Virginia
With a median home value of $196,800, Wytheville is 15% higher than the Wythe County median.
The typical home in Wytheville was built around 1973. About 29% of homes were built before 1960, about 5 points above Wythe County's 24%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Wytheville, the housing stock is 68% single-family homes, 17% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 52% of owner-occupied homes in Wytheville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Wytheville has an owner-occupancy rate of 56% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
Most homes in Wytheville - 68% - are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Wytheville? FEMA's National Risk Index points to strong wind (Relatively Moderate) in Wythe County and Wythe County had 87 active NFIP flood policies as of September 2026. See the full Wythe County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Virginia is $1,537 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $196,800 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Strong Wind (Relatively Moderate) |
| Active NFIP policies in Wythe County | 87 |
| 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)