Virginia

Home insurance overview — 748 ZIP codes, 448 cities

Avg Premium (2025 Est.)

$1,564

+14.3% from 2022

Nonrenewal Rate

1.67%

5yr Storm Damage

$423.8M

Virginia Risk Map

Cities

City	ZIP Codes	Avg Premium	Stress Score	YoY	Risk
Upperville	1	$6,057	82	+19.7%	Extreme
Middleburg	1	$3,609	73	+14.8%	High
Norfolk	12	$2,143	70	+10.7%	High
Virginia Beach	9	$2,415	67	+11.4%	High
Rectortown	1	$3,315	67	+14.4%	High
Big Rock	1	$1,420	67	+19.5%	High
Boykins	1	$1,576	66	+15.7%	High
Port Royal	2	$2,133	65	+14.9%	High
Lancaster	1	$2,255	65	+15.2%	High
Ebony	1	$2,139	64	+21.6%	High
Free Union	2	$2,233	63	+15.0%	High
Kilmarnock	1	$2,385	63	+17.0%	High
Mathews	7	$2,430	63	+14.4%	High
Suffolk	7	$2,099	63	+13.9%	High
Eastville	1	$3,765	62	+12.6%	High
White Stone	1	$3,148	61	+17.1%	High
Triangle	1	$1,822	61	+12.4%	High
Waterford	2	$3,103	61	+15.1%	High
Newsoms	1	$1,641	61	+17.9%	High
Calverton	1	$1,987	60	+16.1%	Elevated
Franklin	1	$1,570	59	+17.7%	Elevated
Marshall	2	$3,199	59	+14.4%	Elevated
Shenandoah Farms	3	$2,564	59	+15.7%	Elevated
Courtland	1	$1,494	59	+15.7%	Elevated
Hampton	5	$1,983	59	+15.3%	Elevated
Claremont	2	$1,552	59	+10.7%	Elevated
Falls Mills	1	$1,174	59	+19.8%	Elevated
Poquoson	2	$2,227	58	+15.8%	Elevated
Baskerville	1	$1,604	58	+16.9%	Elevated
Weems	2	$2,078	58	+11.4%	Elevated
Great Falls	1	$3,695	58	+16.0%	Elevated
Nokesville	1	$2,120	58	+16.7%	Elevated
Carrsville	1	$1,781	58	+15.1%	Elevated
Carrollton	1	$2,118	57	+16.2%	Elevated
Mendota	1	$1,206	57	+16.8%	Elevated
South Riding	2	$2,243	57	+14.5%	Elevated
Vansant	3	$1,166	57	+14.2%	Elevated
Pocahontas	1	$1,190	57	+16.9%	Elevated
Fairfax Station	1	$2,665	57	+15.2%	Elevated
Deltaville	3	$2,234	57	+13.9%	Elevated
Dunn Loring	1	$2,172	57	+15.6%	Elevated
Stony Creek	1	$1,663	57	+18.4%	Elevated
Mountain Road	2	$1,403	56	+18.0%	Elevated
McLean	2	$3,670	56	+16.7%	Elevated
Breaks	1	$1,592	56	+14.9%	Elevated
Bobtown	1	$1,710	55	+10.8%	Elevated
Irvington	2	$2,094	55	+12.5%	Elevated
Hamilton	1	$2,162	55	+16.0%	Elevated
Southern Gateway	3	$1,755	55	+16.8%	Elevated
Union Mill	1	$2,388	55	+15.0%	Elevated
Chesapeake	6	$1,833	55	+13.4%	Elevated
Capron	3	$1,627	55	+16.1%	Elevated
Sedley	1	$1,505	55	+16.3%	Elevated
Portsmouth	5	$1,671	55	+11.9%	Elevated
Maurertown	1	$1,516	55	+20.0%	Elevated
Warsaw	3	$1,895	54	+13.7%	Elevated
Stone Ridge	1	$1,805	54	+17.2%	Elevated
Meadowview	1	$1,199	54	+18.0%	Elevated
Washington	4	$2,132	54	+13.5%	Elevated
Bayside	1	$2,075	54	+8.9%	Elevated
Windsor	1	$1,673	54	+14.2%	Elevated
Midland	2	$1,801	54	+15.1%	Elevated
Gwynn	5	$2,246	54	+15.7%	Elevated
Appalachia	1	$1,211	53	+18.4%	Elevated
Gloucester Point	3	$1,843	53	+15.3%	Elevated
Fieldale	1	$1,135	53	+16.6%	Elevated
Heathsville	5	$1,999	53	+13.5%	Elevated
Difficult Run	1	$2,523	53	+16.8%	Elevated
Brookneal	1	$1,442	53	+16.0%	Elevated
Lawrenceville	2	$1,505	53	+16.4%	Elevated
Drakes Branch	1	$1,339	53	+17.6%	Elevated
Newport News	8	$1,834	53	+14.4%	Elevated
Troutdale	2	$1,232	53	+16.4%	Elevated
Stevens Creek	1	$1,061	52	+14.9%	Elevated
Flint Hill	1	$2,297	52	+16.3%	Elevated
Occoquan	1	$1,615	52	+14.4%	Elevated
Arrington	1	$1,409	52	+14.6%	Elevated
Ashland	2	$1,713	52	+15.4%	Elevated
Hiwassee	2	$1,319	52	+16.3%	Elevated
Jewell Ridge	2	$1,101	52	+12.7%	Elevated
Cape Charles	1	$2,670	52	+13.3%	Elevated
Esmont	2	$1,498	52	+9.4%	Elevated
Franktown	2	$2,353	52	+10.3%	Elevated
Atlantic	1	$1,614	52	+7.9%	Elevated
Chatham	2	$1,233	52	+14.7%	Elevated
Kenbridge	1	$1,522	52	+18.1%	Elevated
Penhook	3	$1,397	52	+13.6%	Elevated
Rushmere	1	$1,810	51	+14.4%	Elevated
Afton	2	$2,388	51	+17.3%	Elevated
Urbanna	3	$1,752	51	+11.0%	Elevated
Emory	1	$1,153	51	+17.3%	Elevated
Sperryville	2	$1,883	51	+16.4%	Elevated
Stafford Courthouse	1	$1,688	51	+14.9%	Elevated
Mount Jackson	1	$1,289	51	+12.5%	Elevated
Montross	2	$1,725	51	+14.7%	Elevated
Grundy	2	$1,295	51	+12.0%	Elevated
Gainesville	2	$1,926	51	+14.9%	Elevated
Short Pump	3	$2,097	51	+14.6%	Elevated
Adwolf	1	$1,135	51	+16.7%	Elevated
Richlands	1	$1,107	51	+14.5%	Elevated
Saltville	1	$1,088	51	+16.8%	Elevated
Bowling Green	3	$1,510	51	+14.2%	Elevated
McKenney	3	$1,677	51	+17.9%	Elevated
Blackstone	2	$1,647	51	+18.0%	Elevated
Clarksville	4	$1,478	51	+17.0%	Elevated
Warrenton	2	$1,816	51	+13.3%	Elevated
Yorktown	1	$1,618	50	+13.7%	Elevated
Leesburg	2	$2,050	50	+15.1%	Elevated
Lovingston	1	$1,551	50	+13.0%	Elevated
Midlothian	2	$1,815	50	+16.1%	Elevated
Remington	2	$1,599	50	+17.2%	Elevated
Wolf Trap	1	$2,278	50	+15.1%	Elevated
Ivor	2	$1,541	50	+14.3%	Elevated
Oak Level	2	$1,188	50	+16.8%	Elevated
Sandy Level	2	$1,186	50	+14.5%	Elevated
Montrose	1	$1,535	50	+16.0%	Elevated
Middlebrook	1	$1,721	50	+15.5%	Elevated
St. Paul	1	$1,229	50	+17.9%	Elevated
Westlake Corner	2	$1,423	50	+15.1%	Elevated
Collinsville	1	$1,097	50	+15.8%	Elevated
Alberta	1	$1,323	50	+9.5%	Elevated
Riner	2	$1,303	50	+16.0%	Elevated
Brandermill	3	$1,673	50	+15.8%	Elevated
Wintergreen	2	$1,507	50	+16.6%	Elevated
Dinwiddie	1	$1,588	50	+14.7%	Elevated
Emporia	1	$1,468	50	+17.0%	Elevated
Bluefield	1	$1,272	49	+16.1%	Elevated
Independence	3	$1,129	49	+14.9%	Elevated
Martinsville	1	$1,242	49	+15.8%	Elevated
Cluster Springs	2	$1,200	49	+11.8%	Elevated
New Baltimore	2	$1,975	49	+15.1%	Elevated
Disputanta	1	$1,725	49	+16.5%	Elevated
Gasburg	2	$1,633	49	+12.6%	Elevated
Abingdon	2	$1,246	49	+14.6%	Elevated
North Garden	2	$1,754	49	+16.1%	Elevated
Honaker	2	$1,197	49	+14.6%	Elevated
Belle Haven	2	$1,866	49	+11.0%	Elevated
Round Hill	1	$1,925	49	+15.1%	Elevated
Glen Allen	5	$1,855	49	+14.3%	Elevated
Linton Hall	1	$1,789	49	+15.5%	Elevated
Stewartsville	1	$1,386	49	+16.1%	Elevated
East Highland Park	1	$1,428	49	+14.5%	Elevated
Sugar Grove	1	$1,072	49	+15.0%	Elevated
Mount Vernon	1	$1,678	49	+14.8%	Elevated
Hanover	1	$1,590	49	+14.4%	Elevated
Williamsburg	3	$1,723	49	+14.3%	Elevated
Mineral	2	$1,697	49	+13.9%	Elevated
Cumberland	2	$1,390	49	+15.2%	Elevated
Shenandoah Retreat	1	$1,832	49	+8.9%	Elevated
Dante	1	$1,141	49	+13.8%	Elevated
Buckhall	2	$1,686	49	+14.3%	Elevated
Wakefield	1	$1,454	49	+12.3%	Elevated
Boydton	1	$1,635	49	+17.1%	Elevated
Parrott	1	$1,172	48	+18.6%	Elevated
Oakton	1	$2,083	48	+14.9%	Elevated
Brandy Station	1	$1,646	48	+13.3%	Elevated
Rivanna	2	$1,865	48	+14.2%	Elevated
Ivanhoe	1	$1,253	48	+14.7%	Elevated
Montclair	1	$1,622	48	+15.4%	Elevated
Cats Bridge	1	$1,544	48	+9.1%	Elevated
Fort Belvoir	1	$1,710	48	+11.9%	Elevated
Crewe	2	$1,471	48	+15.4%	Elevated
Draper	2	$1,082	48	+13.1%	Elevated
Galax	1	$1,152	48	+16.0%	Elevated
Lovettsville	1	$1,860	48	+14.9%	Elevated
Louisa	1	$1,489	48	+14.2%	Elevated
Lake Holiday	1	$1,662	48	+15.9%	Elevated
Charles City	2	$1,655	48	+15.1%	Elevated
Hot Springs	1	$1,679	48	+10.6%	Elevated
Exmore	1	$1,709	48	+11.9%	Elevated
Columbia	5	$1,475	48	+13.4%	Elevated
Boones Mill	1	$1,350	48	+15.9%	Elevated
Spotsylvania Courthouse	3	$1,586	48	+13.1%	Elevated
Temperanceville	1	$1,747	48	+8.7%	Elevated
Chester	1	$1,532	48	+16.9%	Elevated
Hopewell	1	$1,389	48	+16.6%	Elevated
Cherry Hill	1	$1,445	48	+13.1%	Elevated
Big Island	1	$1,234	48	+13.2%	Elevated
Tasley	1	$1,979	48	+8.3%	Elevated
Dungannon	1	$1,107	47	+13.4%	Elevated
Prince George	1	$1,546	47	+16.1%	Elevated
Craigsville	1	$1,095	47	+13.3%	Elevated
Highland Springs	1	$1,279	47	+14.4%	Elevated
Woodbridge	1	$1,445	47	+14.4%	Elevated
Chantilly	1	$1,560	47	+12.5%	Elevated
Glasgow	3	$1,185	47	+13.2%	Elevated
Altavista	2	$1,163	47	+15.7%	Elevated
Sandston	1	$1,380	47	+15.8%	Elevated
Chamberlayne	1	$1,516	47	+14.1%	Elevated
Springfield	1	$1,428	47	+14.4%	Elevated
Cleveland	1	$1,056	47	+15.7%	Elevated
Surry	1	$1,418	47	+13.1%	Elevated
Atkins	1	$974	47	+14.4%	Elevated
Monterey	1	$1,769	47	+19.8%	Elevated
Enon	1	$1,565	47	+14.8%	Elevated
Richmond	8	$1,600	47	+14.8%	Elevated
Chilhowie	1	$1,094	47	+14.5%	Elevated
Clover	3	$1,317	47	+16.5%	Elevated
Nelsonia	1	$1,434	47	+9.0%	Elevated
Jarratt	1	$1,320	47	+15.9%	Elevated
Middletown	1	$1,495	47	+12.8%	Elevated
Gloucester Courthouse	1	$1,806	47	+13.6%	Elevated
Goochland	4	$1,667	46	+12.2%	Elevated
South Boston	1	$1,265	46	+15.3%	Elevated
Rich Creek	1	$1,081	46	+15.0%	Elevated
Cascades	1	$1,746	46	+14.9%	Elevated
Colonial Heights	1	$1,403	46	+17.2%	Elevated
Central Garage	4	$1,534	46	+16.8%	Elevated
Tuckahoe	2	$1,742	46	+15.9%	Elevated
Claypool Hill	2	$1,135	46	+13.7%	Elevated
Forest	2	$1,506	46	+16.7%	Elevated
Fishersville	1	$1,272	46	+14.9%	Elevated
Hurt	2	$1,152	46	+16.1%	Elevated
Cana	3	$1,066	46	+14.2%	Elevated
Eagle Rock	1	$1,158	46	+13.7%	Elevated
Warm Springs	1	$1,535	46	+9.0%	Elevated
Austinville	1	$1,074	46	+13.3%	Elevated
Mason Neck	1	$1,647	46	+13.3%	Elevated
Shipman	2	$1,404	46	+14.1%	Elevated
Elliston	1	$1,206	46	+15.0%	Elevated
Dale City	1	$1,455	45	+13.5%	Elevated
Petersburg	5	$1,599	45	+15.5%	Elevated
Fredericksburg	3	$1,504	45	+13.6%	Elevated
Raven	3	$1,174	45	+16.8%	Elevated
Bealeton	2	$1,581	45	+13.7%	Elevated
Rockwood	2	$1,430	45	+15.6%	Elevated
Jonesville	1	$1,205	45	+16.5%	Elevated
Victoria	1	$1,410	45	+16.5%	Elevated
Greenville	1	$1,246	45	+13.6%	Elevated
Nathalie	1	$1,236	45	+16.2%	Elevated
North Shore	2	$1,619	45	+16.4%	Elevated
Quinby	1	$1,607	45	+7.9%	Elevated
Rural Retreat	2	$1,197	45	+14.1%	Elevated
Scottsburg	2	$1,287	45	+14.8%	Elevated
Lake Barcroft	1	$1,778	45	+12.3%	Elevated
Gratton	1	$1,176	45	+11.7%	Elevated
Gretna	2	$1,149	45	+15.8%	Elevated
Lake Land'Or	2	$1,616	45	+14.4%	Elevated
Sussex	1	$1,592	45	+16.5%	Elevated
Lincolnia	1	$1,491	45	+14.1%	Elevated
Purcellville	1	$2,109	45	+16.2%	Elevated
Ferrum	3	$1,285	45	+14.8%	Elevated
Fort Hunt	1	$2,068	45	+15.2%	Elevated
Falmouth	1	$1,532	45	+16.2%	Elevated
Dulles Town Center	1	$1,497	45	+13.3%	Elevated
Onley	1	$1,842	45	+11.5%	Elevated
Daleville	1	$1,373	45	+12.0%	Elevated
Tappahannock	1	$1,626	45	+14.3%	Elevated
Horse Pasture	1	$1,194	45	+14.7%	Elevated
Rustburg	2	$1,186	45	+15.4%	Elevated
Bellwood	1	$1,315	45	+16.1%	Elevated
Brambleton	1	$1,801	45	+16.3%	Elevated
Bracey	2	$1,411	44	+14.3%	Elevated
Saluda	3	$1,688	44	+12.1%	Elevated
Fincastle	1	$1,531	44	+17.0%	Elevated
Basye	3	$1,240	44	+14.3%	Elevated
West Point	4	$1,564	44	+14.0%	Elevated
Roanoke	6	$1,187	44	+14.6%	Elevated
Norton	1	$1,190	44	+16.2%	Elevated
Amelia Court House	1	$1,449	44	+12.3%	Elevated
Lynchburg	5	$1,246	44	+14.4%	Elevated
Herndon	1	$1,583	44	+14.9%	Elevated
Ewing	1	$1,297	44	+17.8%	Elevated
Arlington	9	$1,759	44	+15.6%	Elevated
Colonial Beach	1	$1,338	44	+13.9%	Elevated
Pound	1	$1,153	44	+15.2%	Elevated
Meadows of Dan	3	$1,230	44	+16.2%	Elevated
Keysville	2	$1,315	44	+14.4%	Elevated
Springville	1	$1,152	44	+15.8%	Elevated
Bon Air	1	$1,420	44	+14.9%	Elevated
Ripplemead	1	$959	44	+12.2%	Elevated
Union Hall	2	$1,536	44	+17.4%	Elevated
Bailey's Crossroads	1	$1,579	44	+12.1%	Elevated
Amherst	1	$1,278	44	+14.6%	Elevated
Chester Gap	3	$1,632	44	+15.5%	Elevated
Bull Run	2	$1,451	43	+12.9%	Elevated
Sterling	1	$1,377	43	+14.9%	Elevated
Bristol	2	$1,172	43	+15.5%	Elevated
Toms Brook	3	$1,385	43	+13.4%	Elevated
Castlewood	1	$1,099	43	+14.2%	Elevated
King and Queen Court House	4	$1,598	43	+13.7%	Elevated
King George	1	$1,627	43	+12.8%	Elevated
Nickelsville	1	$1,106	43	+13.8%	Elevated
Alexandria	6	$1,760	43	+14.6%	Elevated
Huntington	1	$1,287	43	+14.6%	Elevated
Damascus	1	$1,131	43	+14.8%	Elevated
Ruckersville	1	$1,251	43	+13.9%	Elevated
Madison	1	$1,461	43	+15.1%	Elevated
Annandale	1	$1,549	43	+14.1%	Elevated
Orange	3	$1,518	43	+12.3%	Elevated
Blue Ridge	1	$1,211	43	+13.9%	Elevated
Fair Oaks	1	$1,610	43	+13.7%	Elevated
Groveton	1	$1,470	43	+14.2%	Elevated
Big Stone Gap	1	$1,266	43	+16.2%	Elevated
Fairfield	3	$1,279	43	+12.9%	Elevated
Timberlake	1	$1,222	43	+16.4%	Elevated
North Springfield	1	$1,326	43	+13.5%	Elevated
Lake of the Woods	3	$1,515	43	+13.7%	Elevated
Coeburn	1	$1,122	43	+15.1%	Elevated
Powhatan	1	$1,591	43	+14.8%	Elevated
Laymantown	1	$1,320	43	+14.1%	Elevated
Lake Ridge	1	$1,547	43	+13.1%	Elevated
Dublin	1	$1,115	42	+13.9%	Elevated
Mount Sidney	1	$1,232	42	+13.5%	Elevated
Sudley	1	$1,205	42	+11.8%	Elevated
Gordonsville	1	$1,433	42	+14.7%	Elevated
Braddock	1	$1,713	42	+14.1%	Elevated
Fancy Gap	1	$1,150	42	+14.8%	Elevated
West Springfield	1	$1,405	42	+13.7%	Elevated
Farmville	2	$1,391	42	+14.3%	Elevated
Radford	1	$1,190	42	+15.5%	Elevated
New Hope	1	$1,339	42	+13.1%	Elevated
Port Republic	1	$1,246	42	+12.2%	Elevated
Cave Spring	1	$1,335	42	+15.2%	Elevated
Schuyler	1	$1,361	42	+12.7%	Elevated
Culpeper	2	$1,509	42	+14.7%	Elevated
New Market	1	$1,129	42	+13.6%	Elevated
Ashburn	1	$1,673	42	+14.2%	Elevated
Franklin Farm	1	$1,717	42	+13.7%	Elevated
Gargatha	1	$1,393	42	+8.0%	Elevated
Vienna	1	$1,848	42	+16.4%	Elevated
Pennington Gap	2	$1,162	42	+17.2%	Elevated
Pulaski	1	$1,101	42	+14.6%	Elevated
Yogaville	2	$1,337	41	+12.3%	Elevated
Patrick Springs	3	$1,189	41	+15.4%	Elevated
Bedford	1	$1,192	41	+14.9%	Elevated
Massanetta Springs	1	$1,321	41	+16.9%	Elevated
New Castle	2	$1,143	41	+12.4%	Elevated
Reston	3	$1,610	41	+14.0%	Elevated
Brodnax	1	$1,465	41	+17.3%	Elevated
Weyers Cave	1	$1,126	41	+13.4%	Elevated
Pearisburg	1	$1,185	41	+14.4%	Elevated
Danville	5	$1,174	41	+14.5%	Elevated
Montvale	2	$1,172	41	+11.9%	Elevated
Rose Hill	2	$1,351	41	+14.7%	Elevated
Rocky Gap	1	$1,166	41	+15.4%	Elevated
Paris	1	$1,738	41	+7.9%	Elevated
McDowell	1	$1,138	41	+8.1%	Elevated
Barboursville	3	$1,557	40	+12.4%	Moderate
Captains Cove	1	$1,482	40	+8.0%	Moderate
West Falls Church	1	$1,462	40	+15.2%	Moderate
Pamplin City	1	$1,244	40	+12.7%	Moderate
Clintwood	1	$1,128	40	+14.6%	Moderate
Scotland	1	$1,604	40	+15.8%	Moderate
Idylwood	1	$1,642	40	+15.3%	Moderate
Wattsville	1	$1,348	40	+8.0%	Moderate
Madison Heights	1	$1,119	40	+14.8%	Moderate
Manassas	1	$1,425	40	+14.0%	Moderate
Keokee	1	$1,095	40	+15.9%	Moderate
Vinton	1	$1,091	40	+13.8%	Moderate
Cloverdale	1	$1,126	40	+15.6%	Moderate
Mechanicsville	2	$1,404	40	+14.5%	Moderate
Shawsville	3	$1,401	40	+15.7%	Moderate
Charlotte Court House	2	$1,384	40	+17.9%	Moderate
Kings Park West	1	$1,552	40	+15.2%	Moderate
Pembroke	1	$1,146	40	+16.2%	Moderate
Gore	1	$1,450	39	+13.8%	Moderate
Scottsville	2	$1,410	39	+12.2%	Moderate
Gate City	2	$1,070	39	+14.3%	Moderate
Fort Chiswell	1	$1,082	39	+14.0%	Moderate
Millboro	1	$1,373	39	+11.6%	Moderate
Mantua	1	$1,588	39	+14.0%	Moderate
Stanardsville	1	$1,294	39	+13.8%	Moderate
Narrows	1	$1,081	39	+15.6%	Moderate
Rocky Mount	1	$1,138	39	+14.8%	Moderate
Chase City	1	$1,348	39	+17.5%	Moderate
Wytheville	1	$1,129	39	+13.5%	Moderate
Chincoteague	1	$1,658	39	+8.0%	Moderate
Laurel	2	$1,166	39	+14.4%	Moderate
Dillwyn	1	$1,350	39	+13.8%	Moderate
Buchanan	1	$1,244	39	+13.3%	Moderate
Blairs	2	$1,146	39	+15.4%	Moderate
Newington Forest	1	$1,482	38	+14.2%	Moderate
Covington	1	$1,099	38	+13.0%	Moderate
Brucetown	3	$1,403	38	+14.7%	Moderate
Stickleyville	1	$1,098	38	+15.2%	Moderate
Hollins	1	$1,093	38	+14.6%	Moderate
Nellysford	1	$1,715	38	+11.0%	Moderate
Shawneeland	1	$1,427	38	+14.9%	Moderate
Hillsville	2	$1,036	38	+13.6%	Moderate
Stanley	1	$1,226	37	+14.8%	Moderate
Wise	1	$1,141	37	+14.9%	Moderate
Kingstowne	1	$1,463	37	+13.5%	Moderate
New Kent	2	$1,389	37	+14.9%	Moderate
Berryville	1	$1,598	37	+11.9%	Moderate
Burke	1	$1,477	37	+14.8%	Moderate
Floyd	3	$1,189	37	+15.0%	Moderate
Earlysville	1	$1,819	37	+15.9%	Moderate
Clifton Forge	1	$1,084	37	+14.3%	Moderate
Burkeville	3	$1,284	37	+13.0%	Moderate
Virgilina	1	$1,358	37	+17.7%	Moderate
Mount Crawford	1	$1,324	37	+15.6%	Moderate
Goshen	2	$1,271	37	+10.3%	Moderate
Salem	1	$1,164	36	+15.8%	Moderate
Woodlawn	1	$1,195	36	+16.0%	Moderate
Concord	2	$1,157	36	+13.7%	Moderate
Front Royal	1	$1,313	36	+14.4%	Moderate
Brightwood	4	$1,601	36	+12.8%	Moderate
Luray	2	$1,276	36	+15.2%	Moderate
Lebanon	1	$1,134	36	+13.6%	Moderate
South Hill	1	$1,352	36	+14.5%	Moderate
Waynesboro	1	$1,095	36	+13.4%	Moderate
Deerfield	2	$1,152	36	+9.8%	Moderate
Boyce	2	$1,648	36	+9.9%	Moderate
Winchester	1	$1,281	35	+13.7%	Moderate
Hiltons	1	$1,165	35	+16.3%	Moderate
Singers Glen	2	$1,065	35	+10.1%	Moderate
Charlottesville	3	$1,487	35	+14.3%	Moderate
Clinchco	1	$955	35	+7.9%	Moderate
Blacksburg	2	$1,338	35	+15.0%	Moderate
Verona	1	$1,047	35	+12.8%	Moderate
Lake Monticello	1	$1,257	35	+13.1%	Moderate
Phenix	1	$1,292	35	+18.0%	Moderate
Churchville	3	$1,189	35	+12.0%	Moderate
Woodstock	1	$1,268	34	+14.7%	Moderate
Dayton	2	$1,110	34	+14.5%	Moderate
Hollymead	1	$1,355	34	+14.1%	Moderate
Keezletown	1	$1,124	34	+12.5%	Moderate
Strasburg	1	$1,197	34	+13.5%	Moderate
Dendron	1	$1,412	34	+12.8%	Moderate
Falls Church	1	$1,847	34	+16.6%	Moderate
Bridgewater	2	$1,114	34	+11.2%	Moderate
King William	2	$1,491	34	+12.7%	Moderate
Lexington	1	$1,254	34	+12.4%	Moderate
Bland	1	$1,033	34	+10.2%	Moderate
Haysi	2	$1,192	33	+16.0%	Moderate
Appomattox	2	$1,185	33	+11.6%	Moderate
Christiansburg	1	$1,096	33	+14.5%	Moderate
Stephens City	1	$1,249	33	+15.6%	Moderate
Weber City	1	$1,000	32	+14.4%	Moderate
Shenandoah	1	$1,082	32	+12.5%	Moderate
Staunton	1	$1,078	31	+13.0%	Moderate
Stuarts Draft	1	$1,037	31	+12.4%	Moderate
Massanutten	1	$1,122	29	+12.4%	Moderate
Broadway	1	$1,057	29	+13.9%	Moderate
Crozet	1	$1,308	28	+11.4%	Moderate
Bastian	1	$1,062	28	+9.3%	Moderate
Buena Vista	1	$955	28	+12.9%	Moderate
Crimora	1	$975	28	+9.7%	Moderate
Harrisonburg	2	$1,037	26	+13.1%	Moderate
Timberville	1	$989	26	+12.3%	Moderate
Linville	1	$1,182	26	+9.0%	Moderate
Horntown	1	$888	26	+8.0%	Moderate
Elkton	1	$1,080	26	+12.9%	Moderate
Grottoes	1	$879	25	+8.9%	Moderate
Edinburg	1	$1,294	24	+13.4%	Moderate
Sherando	1	$1,111	23	+11.5%	Moderate
Dryden	1	$1,112	20	+11.5%	Low

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Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.