Virginia Beach, VA

9 ZIP codes — Virginia

Compare quotes in Virginia Beach, VA

See rates from top carriers

Avg Premium (2025 Est.)

$2,415

+11.4% from 2022

Stress Score

67/100

Nonrenewal Rate

5.21%

Insurance/Income

2.4%

ZIP Codes in Virginia Beach

ZIP	Avg Premium	Stress Score	Risk
23457	$2,541	78	High
23451	$3,595	75	High
23454	$2,337	68	High
23455	$2,104	68	High
23456	$2,112	65	High
23452	$1,911	64	High
23453	$1,692	63	High
23462	$1,562	59	Elevated
23464	$1,661	59	Elevated

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.