Home insurance costs & natural hazards in Virginia
Plain facts for Virginia homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
Virginia at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in Virginia pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical Virginia ZIP code saw homeowners premiums of $1,280 per policy in 2022, 18% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure rose 9% between 2018 and 2022. The figures come from 748 Virginia ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 69,147 single-family NFIP policies took effect in Virginia in 2025, at an average full cost of $945, compared with $825 in 2022. About 55% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of Virginia's 133 counties FEMA rates relatively high or very high for each hazard. The most widespread are drought, strong wind and lightning. Open any county for its full hazard profile.
Hazards across Virginia's counties
Virginia counties
All 133 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Accomack County | $1,495 | $1,172 | Relatively Moderate |
| Albemarle County | $1,430 | $1,122 | Relatively Low |
| Alexandria City | $1,457 | $1,071 | Relatively Low |
| Alleghany County | $960 | $1,401 | Very Low |
| Amelia County | $1,297 | — | Very Low |
| Amherst County | $1,115 | $1,809 | Very Low |
| Appomattox County | $1,038 | — | Very Low |
| Arlington County | $1,647 | $675 | Relatively Low |
| Augusta County | $1,000 | $1,455 | Relatively Low |
| Bath County | $1,408 | $1,446 | Very Low |
| Bedford County | $1,140 | $1,273 | Relatively Low |
| Bland County | $972 | $1,344 | Very Low |
| Botetourt County | $1,127 | $1,314 | Very Low |
| Bristol City | $929 | $626 | Very Low |
| Brunswick County | $1,346 | $1,638 | Very Low |
| Buchanan County | $1,091 | $1,262 | Relatively Low |
| Buckingham County | $1,218 | — | Very Low |
| Buena Vista City | — | $954 | Very Low |
| Campbell County | $1,044 | $751 | Very Low |
| Caroline County | $1,365 | $870 | Very Low |
| Carroll County | $938 | $1,239 | Relatively Low |
| Charles City County | $1,495 | $1,061 | Very Low |
| Charlotte County | $1,142 | — | Very Low |
| Charlottesville City | — | $1,135 | Very Low |
| Chesapeake City | $1,624 | $766 | Relatively Low |
| Chesterfield County | $1,273 | $1,034 | Relatively Moderate |
| Clarke County | $1,610 | $1,422 | Very Low |
| Colonial Heights City | — | $1,454 | Very Low |
| Covington City | — | $1,598 | Very Low |
| Craig County | $977 | $1,530 | Very Low |
| Culpeper County | $1,433 | $1,044 | Relatively Low |
| Cumberland County | $1,215 | — | Very Low |
| Danville City | — | $1,162 | Relatively Low |
| Dickenson County | $1,003 | $1,743 | Very Low |
| Dinwiddie County | $1,405 | $871 | Very Low |
| Emporia City | — | $1,404 | Very Low |
| Essex County | $1,423 | $1,441 | Very Low |
| Fairfax City | — | $706 | Very Low |
| Fairfax County | $1,412 | $781 | Relatively High |
| Falls Church City | $1,583 | $832 | Very Low |
| Fauquier County | $1,656 | $1,072 | Relatively Low |
| Floyd County | $1,122 | $1,704 | Very Low |
| Fluvanna County | $1,314 | $715 | Very Low |
| Franklin City | — | $731 | Very Low |
| Franklin County | $1,146 | $1,297 | Very Low |
| Frederick County | $1,274 | $969 | Relatively Low |
| Fredericksburg City | $1,410 | $942 | Very Low |
| Galax City | — | — | Very Low |
| Giles County | $963 | $1,758 | Very Low |
| Gloucester County | $1,548 | $1,128 | Very Low |
| Goochland County | $1,515 | $910 | Very Low |
| Grayson County | $1,025 | $1,232 | Very Low |
| Greene County | $1,137 | $1,117 | Very Low |
| Greensville County | $1,255 | $956 | Very Low |
| Halifax County | $1,099 | $1,839 | Relatively Low |
| Hampton City | $1,641 | $884 | Relatively Low |
| Hanover County | $1,489 | $780 | Relatively Low |
| Harrisonburg City | — | $996 | Very Low |
| Henrico County | $1,222 | $776 | Relatively Moderate |
| Henry County | $1,028 | $1,238 | Relatively Low |
| Highland County | $1,053 | $2,100 | Very Low |
| Hopewell City | — | $992 | Very Low |
| Isle of Wight County | $1,547 | $724 | Very Low |
| James City County | $1,441 | $822 | Relatively Low |
| King George County | $1,442 | $938 | Very Low |
| King William County | $1,239 | $1,738 | Very Low |
| King and Queen County | $1,344 | $1,443 | Very Low |
| Lancaster County | $2,292 | $1,431 | Very Low |
| Lee County | $1,000 | $1,338 | Relatively Low |
| Lexington City | — | — | Very Low |
| Loudoun County | $1,673 | $896 | Relatively Low |
| Louisa County | $1,384 | — | Very Low |
| Lunenburg County | $1,210 | — | Very Low |
| Lynchburg City | $922 | $1,333 | Relatively Low |
| Madison County | $1,321 | $1,573 | Very Low |
| Manassas City | $1,250 | $847 | Very Low |
| Manassas Park City | — | $915 | Very Low |
| Martinsville City | — | — | Very Low |
| Mathews County | $2,021 | $1,413 | Very Low |
| Mecklenburg County | $1,267 | $1,125 | Relatively Low |
| Middlesex County | $1,617 | $1,352 | Very Low |
| Montgomery County | $1,094 | $1,473 | Relatively Low |
| Nelson County | $1,289 | $1,433 | Very Low |
| New Kent County | $1,369 | $1,199 | Very Low |
| Newport News City | $1,560 | $635 | Relatively Low |
| Norfolk City | $1,762 | $804 | Relatively Moderate |
| Northampton County | $2,155 | $1,003 | Relatively Low |
| Northumberland County | $1,882 | $1,332 | Very Low |
| Norton City | — | — | Very Low |
| Nottoway County | $1,245 | — | Very Low |
| Orange County | $1,310 | $764 | Very Low |
| Page County | $1,058 | $1,830 | Very Low |
| Patrick County | $1,026 | $2,060 | Very Low |
| Petersburg City | — | $786 | Very Low |
| Pittsylvania County | $1,018 | $1,054 | Relatively Low |
| Poquoson City | $1,973 | $1,295 | Very Low |
| Portsmouth City | $1,516 | $674 | Relatively Low |
| Powhatan County | $1,386 | $785 | Very Low |
| Prince Edward County | $1,199 | $997 | Very Low |
| Prince George County | $1,386 | $720 | Very Low |
| Prince William County | $1,412 | $948 | Relatively Moderate |
| Pulaski County | $1,009 | $1,749 | Relatively Low |
| Radford City | — | — | Very Low |
| Rappahannock County | $1,822 | $1,322 | Very Low |
| Richmond City | $1,671 | $700 | Relatively Low |
| Richmond County | $1,324 | $1,482 | Very Low |
| Roanoke City | $977 | $1,073 | Relatively Low |
| Roanoke County | $1,107 | $1,382 | Relatively Low |
| Rockbridge County | $1,091 | $1,740 | Very Low |
| Rockingham County | $993 | $1,688 | Relatively Low |
| Russell County | $982 | $1,481 | Very Low |
| Salem City | — | $1,632 | Very Low |
| Scott County | $971 | $1,373 | Very Low |
| Shenandoah County | $1,140 | $2,005 | Relatively Low |
| Smyth County | $932 | $1,122 | Relatively Low |
| Southampton County | $1,348 | $1,134 | Very Low |
| Spotsylvania County | $1,308 | $895 | Relatively Low |
| Stafford County | $1,505 | $856 | Relatively Low |
| Staunton City | — | $1,045 | Very Low |
| Suffolk City | $1,799 | $600 | Relatively Low |
| Surry County | $1,348 | $1,099 | Very Low |
| Sussex County | $1,315 | $1,049 | Very Low |
| Tazewell County | $995 | $1,445 | Relatively Low |
| Virginia Beach City | $2,104 | $859 | Relatively Low |
| Warren County | $1,268 | $1,869 | Very Low |
| Washington County | $1,028 | $1,368 | Relatively Low |
| Waynesboro City | — | $1,735 | Very Low |
| Westmoreland County | $1,504 | $1,419 | Very Low |
| Williamsburg City | — | $651 | Very Low |
| Winchester City | $1,127 | $889 | Very Low |
| Wise County | $1,023 | $1,498 | Relatively Low |
| Wythe County | $989 | $1,101 | Relatively Low |
| York County | $1,812 | $1,335 | Relatively Low |
ZIP codes with the most flood policies
Practical next steps
Simple things Virginia homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.