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Home insurance & flood costs in ZIP 22936 (Earlysville, VA)

Plain facts for homeowners in Earlysville: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 22936 at a glance

Four numbers most homeowners ask about first.

$1,570
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

Too few
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

0.58%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

3.8%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 22936 in numbers
$20,876
average paid claim (2022)
+12%
premium change 2018–2022, after inflation
1.52%
cancelled by insurers mid-term (2022)
8
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 22936 was $1,570 in 2022, 10% above the Albemarle County typical ZIP ($1,430) and about the same as the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 12% between 2018 and 2022. About 3.8% of policies here had a paid claim in 2022, and insurers chose not to renew 0.58% of policies.

Albemarle County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 22936AlbemarleU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

Only 8 single-family NFIP policies took effect in ZIP 22936 in 2025, too few for a meaningful average. The Albemarle County average was $1,122.

Flood insurance data

Too few NFIP policies here to show reliable averages. FEMA's Flood Map Service Center shows the flood zone for any address.

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Albemarle County

The chart shows the share of homeowners policies in ZIP 22936 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Albemarle County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Strong wind90 · Relatively High
  • Earthquake86 · Relatively Low
  • Inland flooding85 · Relatively Moderate
  • Landslide84 · Relatively Low
  • Hurricane83 · Relatively Moderate

Other ZIP codes in Albemarle County

Average premium per policy in 2022 (Treasury FIO).

22901 Charlottesville · $1,40222902 Charlottesville · $1,07222903 Charlottesville · $1,43022911 Charlottesville · $1,18822932 Crozet · $1,17522947 Keswick · $1,945

Practical next steps

Simple things homeowners in ZIP 22936 can do with this information.

Plan for heat and dry spells. Long dry periods can stress foundations and landscaping. Regular checks of your HVAC system and foundation can catch small problems before they become claims.
Know that earthquake damage is separate. Standard homeowners policies exclude earthquakes. If shaking is a concern where you live, ask about a separate earthquake policy or endorsement and its deductible.
Prepare for freezing weather. Burst pipes are a common winter claim. Insulating exposed pipes, keeping heat on while away and knowing where your main water shut-off is all help.
Ask about wind mitigation credits. Features like hurricane straps, a newer roof and impact-rated windows or shutters can lower premiums. Ask your insurer which upgrades earn a discount and what paperwork it needs.

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.