What is the average cost of homeowners insurance in Virginia?

The average homeowners insurance premium in Virginia was $1,769 per year in 2024, a simple mean across the 131 counties with mortgage-escrow data (Keys-Mulder, NBER Working Paper 32579).

Which Virginia county has the cheapest home insurance?

Galax had the lowest average homeowners insurance premium in Virginia at $971 per year in 2024.

Which Virginia county has the most expensive home insurance?

Falls Church had the highest average homeowners insurance premium in Virginia at $3,331 per year in 2024.

How many Virginia counties are in this dataset?

131 of 129 Virginia counties have a natively measured premium from mortgage-escrow data. Counties without enough escrowed mortgages are not shown.

Home Insurance Costs by County in Virginia (2024 Data)

$1,769

Virginia county average (2024)

131 of 129

Counties with data

$3,331

Highest: Falls Church

$971

Lowest: Galax

Virginia counties by home insurance cost

All 131 natively covered Virginia counties, most expensive first (Escrow 2024). Click a column header to re-sort. “% of home value” is the annual premium divided by the county median home value.

Virginia counties ranked by homeowners insurance premium

1	Falls Church	$3,331	+99%	0.28%
2	Poquoson	$3,328	+99%	0.71%
3	Arlington	$2,671	+60%	0.33%
4	Loudoun	$2,625	+57%	0.33%
5	Alexandria	$2,559	+53%	0.37%
6	Suffolk	$2,485	+49%	0.63%
7	York	$2,453	+47%	0.52%
8	Virginia Beach	$2,430	+45%	0.56%
9	Isle of Wight	$2,377	+42%	0.61%
10	Mathews	$2,372	+42%	0.66%
11	Hampton	$2,364	+41%	0.84%
12	Fairfax	$2,346	+40%	0.31%
13	Norfolk	$2,271	+36%	0.72%
14	Chesapeake	$2,271	+36%	0.53%
15	Stafford	$2,232	+33%	0.41%
16	Goochland	$2,220	+33%	0.38%
17	Fairfax	$2,213	+32%	0.28%
18	Lancaster	$2,127	+27%	0.53%
19	Northampton	$2,114	+26%	0.67%
20	Norton	$2,112	+26%	1.69%
21	Clarke	$2,102	+26%	0.37%
22	Prince William	$2,075	+24%	0.35%
23	Fauquier	$2,075	+24%	0.32%
24	Portsmouth	$2,062	+23%	0.77%
25	Charles City	$2,047	+22%	0.73%
26	Williamsburg	$2,034	+22%	0.49%
27	Manassas Park	$2,033	+22%	0.44%
28	Westmoreland	$2,030	+21%	0.65%
29	Newport News	$2,029	+21%	0.69%
30	Rappahannock	$2,020	+21%	0.35%
31	Chesterfield	$2,008	+20%	0.48%
32	Prince George	$2,003	+20%	0.55%
33	Surry	$1,990	+19%	0.69%
34	King George	$1,952	+17%	0.40%
35	Gloucester	$1,940	+16%	0.51%
36	Accomack	$1,937	+16%	0.79%
37	Sussex	$1,927	+15%	1.04%
38	Hanover	$1,914	+14%	0.41%
39	Manassas	$1,899	+14%	0.38%
40	Northumberland	$1,887	+13%	0.50%
41	Albemarle	$1,879	+12%	0.33%
42	Middlesex	$1,875	+12%	0.48%
43	James City	$1,864	+11%	0.38%
44	Powhatan	$1,858	+11%	0.37%
45	Montgomery	$1,852	+11%	0.53%
46	Southampton	$1,846	+10%	0.67%
47	Fredericksburg	$1,835	+10%	0.39%
48	Charlottesville	$1,825	+9%	0.37%
49	Richmond	$1,823	+9%	0.49%
50	Spotsylvania	$1,820	+9%	0.39%
51	Louisa	$1,815	+9%	0.43%
52	Petersburg	$1,815	+9%	0.89%
53	Hopewell	$1,813	+8%	0.83%
54	Culpeper	$1,800	+8%	0.36%
55	Dinwiddie	$1,781	+7%	0.59%
56	King and Queen	$1,773	+6%	0.58%
57	King William	$1,764	+6%	0.50%
58	Bristol	$1,763	+5%	0.98%
59	Henrico	$1,754	+5%	0.43%
60	Lunenburg	$1,751	+5%	1.19%
61	Warren	$1,736	+4%	0.43%
62	Nelson	$1,730	+3%	0.47%
63	Mecklenburg	$1,726	+3%	0.82%
64	Colonial Heights	$1,720	+3%	0.60%
65	Halifax	$1,714	+3%	1.11%
66	Amelia	$1,672	0%	0.50%
67	Richmond	$1,670	0%	0.67%
68	Essex	$1,665	0%	0.55%
69	Greene	$1,659	-1%	0.43%
70	Bedford	$1,655	-1%	0.47%
71	Orange	$1,642	-2%	0.42%
72	Washington	$1,639	-2%	0.63%
73	Greensville	$1,638	-2%	0.97%
74	Wise	$1,634	-2%	1.22%
75	Page	$1,632	-2%	0.52%
76	New Kent	$1,631	-2%	0.36%
77	Craig	$1,627	-3%	0.67%
78	Franklin	$1,624	-3%	0.44%
79	Emporia	$1,620	-3%	1.03%
80	Caroline	$1,617	-3%	0.44%
81	Cumberland	$1,600	-4%	0.55%
82	Franklin	$1,600	-4%	0.67%
83	Roanoke	$1,599	-4%	0.47%
84	Floyd	$1,594	-5%	0.56%
85	Frederick	$1,590	-5%	0.37%
86	Winchester	$1,588	-5%	0.44%
87	Lee	$1,586	-5%	1.39%
88	Russell	$1,579	-6%	1.11%
89	Shenandoah	$1,576	-6%	0.46%
90	Buckingham	$1,576	-6%	0.63%
91	Fluvanna	$1,574	-6%	0.42%
92	Madison	$1,572	-6%	0.37%
93	Scott	$1,570	-6%	0.91%
94	Charlotte	$1,569	-6%	0.77%
95	Prince Edward	$1,565	-6%	0.63%
96	Highland	$1,553	-7%	0.54%
97	Nottoway	$1,552	-7%	0.77%
98	Tazewell	$1,546	-8%	1.07%
99	Brunswick	$1,538	-8%	1.01%
100	Giles	$1,534	-8%	0.73%
101	Wythe	$1,527	-9%	0.71%
102	Roanoke	$1,511	-10%	0.67%
103	Bath	$1,489	-11%	0.65%
104	Botetourt	$1,438	-14%	0.45%
105	Rockbridge	$1,437	-14%	0.42%
106	Pittsylvania	$1,434	-14%	0.73%
107	Martinsville	$1,408	-16%	1.27%
108	Staunton	$1,407	-16%	0.48%
109	Pulaski	$1,400	-16%	0.62%
110	Campbell	$1,398	-16%	0.51%
111	Radford	$1,395	-17%	0.53%
112	Salem	$1,389	-17%	0.47%
113	Augusta	$1,379	-18%	0.37%
114	Henry	$1,379	-18%	0.96%
115	Appomattox	$1,375	-18%	0.47%
116	Patrick	$1,369	-18%	0.73%
117	Lexington	$1,356	-19%	0.38%
118	Smyth	$1,356	-19%	0.83%
119	Bland	$1,351	-19%	0.70%
120	Waynesboro	$1,330	-20%	0.45%
121	Danville	$1,318	-21%	0.97%
122	Rockingham	$1,316	-21%	0.36%
123	Harrisonburg	$1,315	-21%	0.40%
124	Alleghany	$1,314	-21%	0.70%
125	Lynchburg	$1,308	-22%	0.53%
126	Buena Vista	$1,303	-22%	0.69%
127	Covington	$1,301	-22%	1.15%
128	Amherst	$1,251	-25%	0.47%
129	Grayson	$1,175	-30%	0.56%
130	Carroll	$1,121	-33%	0.59%
131	Galax	$971	-42%	0.54%

Download Virginia county data (CSV)

Free to reuse with attribution (CC BY 4.0).

Methodology

Each county figure is the median annual homeowners insurance payment for owner-occupied homes with a mortgage escrow account, from data compiled by Benjamin Keys and Philip Mulder in NBER Working Paper 32579 (premiums through 2024). The Virginia average is a simple mean of the covered counties.

Escrow data reflects mortgaged, owner-occupied homes, so a few counties can be absent, and we publish only counties with a natively measured value. For the full methodology and the national picture, see the national home insurance by county report.

Cite or reuse this data

This dataset is offered under a Creative Commons Attribution 4.0 license (CC BY 4.0). Journalists and researchers are free to reuse the tables and the CSV in stories, charts, and reports, including commercially, as long as HearthMap is credited with a link. See the license page and the press kit.

Suggested citation

HearthMap, "Homeowners Insurance Costs by County in Virginia (2024)," https://hearthmap.app/home-insurance-by-county/virginia. Based on Keys and Mulder, NBER Working Paper 32579.

Download the CSV

Home insurance in Virginia: frequently asked questions

What is the average cost of homeowners insurance in Virginia?: The average homeowners insurance premium in Virginia was $1,769 per year in 2024, a simple mean across the 131 counties with mortgage-escrow data (Keys-Mulder, NBER Working Paper 32579).
Which Virginia county has the cheapest home insurance?: Galax had the lowest average homeowners insurance premium in Virginia at $971 per year in 2024.
Which Virginia county has the most expensive home insurance?: Falls Church had the highest average homeowners insurance premium in Virginia at $3,331 per year in 2024.
How many Virginia counties are in this dataset?: 131 of 129 Virginia counties have a natively measured premium from mortgage-escrow data. Counties without enough escrowed mortgages are not shown.

Home insurance by county in other states:

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Home Insurance Costs by County in Virginia (2024)

Virginia counties by home insurance cost

Methodology

Cite or reuse this data

Home insurance in Virginia: frequently asked questions

Related

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