Homeowners insurance in Virginia: premium by ZIP code
Virginia insurers declined to renew 1.29% of policies in the median ZIP code in 2022, ranked 8 of 51; premiums stayed below average.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Virginia (median ZIP code)
$1,280
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $1,705.
| Change from 2018 to 2022, after inflation | +8.8% |
| Premium per policy in 2018 | $1,177 |
| Premium per policy in 2022 | $1,280 |
| 2022 premium carried to September 2026 (BLS index) | $1,705 |
| Policies not renewed by the insurer, 2022 | 1.29% |
| Claims paid per 100 policies, yearly average | 3.9 |
| Average claim paid, 2018 to 2022 (adjusted) | $12,688 |
| Cancelled for nonpayment, 2022 | 1.63% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 748 ZIP codes in 112 counties of Virginia in the Treasury file · not a quote
Virginia's median homeowners premium per policy was $1,280 in 2022 in the Treasury file, ranked 37 of 51 and below the national $1,551, after a rise of +9.0% after inflation from 2018. Renewals got harder: the median nonrenewal rate went from 0.67% in 2018 to 1.29% in 2022, ranked 8 of 51, high for a state with modest losses. Insurers paid out 43% of premium in claims in 2018, a year of record rain and of Hurricane Michael's winds as it crossed the state, then 31% in 2022. Northern Virginia pays more: Fairfax County $1,412, Loudoun $1,673, with Loudoun's ZIP 20184 in hunt country the dearest in the state at $5,060. The Shenandoah Valley is among the cheapest: Augusta County $1,000. The Virginia Property Insurance Association covers homes declined elsewhere. The data stop in 2022.
Northern Virginia
Fairfax County had 42 ZIP codes in the file and a median of $1,412 in 2022, up +8.8% after inflation. Loudoun County paid $1,673 after +10.1%. ZIP 20184, Upperville, paid $5,060, and 22102 in Fairfax County, McLean, $3,605. High house values set the dwelling limits here, and the dwelling limit, more than the weather, drives the premium per policy.
The Valley and the southwest
Augusta County paid $1,000, and its ZIP 24441 was the cheapest in the state at $807; Rockingham County, Harrisonburg, paid $993. ZIP 24374 in Wythe County, in the southwest, paid $820. The cheapest tenth of Virginia ZIP codes paid under $977, the dearest over $1,865. Older farmhouses in the Valley can cost more to rebuild than to buy, so the dwelling limit deserves a check against a builder's estimate, as the dwelling coverage page explains.
Virginia: odds of a nonrenewal ahead
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Chance of at least one nonrenewal in 6 renewals, Virginia
7.5%
| Median ZIP rate in 2018 | 0.67% |
| National median ZIP, 2022 | 0.85% |
| Same horizon at the national rate | 5.0% |
| Virginia rank, 51 = lowest | 8 of 51 |
Nonrenewals rose, losses did not
The median nonrenewal rate went 0.67%, 0.87%, 0.75%, 1.03%, 1.29% from 2018 to 2022, and in 17% of the state's ZIP codes the 2022 rate was above the national top-tenth line. Over the same years paid claims fell from 5.4 per 100 policies to 3.5, and the loss ratio from 43% to 31%. Rising nonrenewals with falling losses usually mean insurers tightening rules, on roof age or coastal exposure in Hampton Roads, rather than reacting to one bad year. The nonrenewal page explains what to do with a notice.
Hampton Roads and the plan of last resort
The Norfolk, Virginia Beach and Hampton area faces hurricanes and nor'easters, and many policies there carry a percentage hurricane deductible; recurrent tidal flooding is a separate flood matter. The Virginia Property Insurance Association writes basic and broad dwelling fire forms for homes that cannot find a private insurer. The Virginia State Corporation Commission, Bureau of Insurance, part of the State Corporation Commission, handles complaints and publishes premium comparison guides.
Virginia, year by year
| Year | Virginia median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $1,177 | $1,445 | 0.67% | 5.4 | 43% |
| 2019 | $1,193 | $1,469 | 0.87% | 3.4 | 29% |
| 2020 | $1,215 | $1,491 | 0.75% | 3.4 | 30% |
| 2021 | $1,248 | $1,521 | 1.03% | 3 | 27% |
| 2022 | $1,280 | $1,551 | 1.29% | 3.5 | 31% |
The Virginia counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Fairfax County | 42 | $1,324 | $1,412 | +8.8% | 0.97% | $14,559 |
| Augusta County | 19 | $974 | $1,000 | +5.8% | 1.13% | $10,157 |
| Loudoun County | 17 | $1,517 | $1,673 | +10.1% | 0.93% | $16,598 |
| Rockingham County | 17 | $925 | $993 | +4.7% | 0.77% | $12,194 |
| Accomack County | 15 | $1,599 | $1,495 | -6.9% | 1.06% | $13,257 |
| Pittsylvania County | 15 | $935 | $1,018 | +10.3% | 1.14% | $8,412 |
| Prince William County | 15 | $1,298 | $1,412 | +8.8% | 1.52% | $11,877 |
| Fauquier County | 14 | $1,505 | $1,656 | +9.7% | 0.95% | $22,504 |
Highest and lowest premiums per policy, Virginia ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 20184 | Loudoun County | $5,060 | +21.1% | 2.16% |
| 22102 | Fairfax County | $3,605 | +12.1% | 0.86% |
| 20198 | Fauquier County | $3,601 | +8.5% | 1.03% |
| 23451 | Virginia Beach city | $3,595 | +8.0% | 5.51% |
| 23347 | Northampton County | $3,344 | +4.8% | 0.00% |
| 24441 | Augusta County | $807 | -3.0% | 0.88% |
| 24374 | Wythe County | $820 | +4.5% | 3.33% |
| 23395 | Accomack County | $822 | -30.4% | 0.00% |
| 24313 | Wythe County | $829 | +3.9% | 0.00% |
| 24416 | Rockbridge County | $846 | +5.6% | 0.75% |