Home Insurance in York County, Virginia
The median home value in York County is $433,200, 13% higher than the Virginia median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in York County was built around 1992. About 8% of homes were built before 1960, about 11 points below Virginia's 19%.
In York County, the housing stock is 81% single-family homes, 15% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 70% of owner-occupied homes in York County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
York County has an owner-occupancy rate of 72% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.
49% of homes in York County are primarily heated with natural gas.
FEMA's National Risk Index lists hurricane (Relatively Moderate), inland flooding (Relatively Low) and coastal flooding (Relatively Low) as the leading hazards for York County.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, York County has 2,540 active NFIP flood policies on file.
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 | $433,200 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 70% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Inland Flooding (Relatively Low), Coastal Flooding (Relatively Low) |
| Active NFIP flood policies (county) | 2,540 |
| Home insurance premium | $1,537 - statewide average (NAIC, 2023 data) |
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)