Home Insurance in Virginia — Average Cost 2026
Average home insurance in Virginia: $1,280/year ($107/month). Virginia ranks #14 out of 51 states — below the national average.
Average annual
$1,280
Average monthly
$107
National rank
#14
of 51 states
vs national avg
-10.4%
Virginia vs national average
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Why is home insurance expensive in Virginia?
Virginia faces elevated home insurance costs due to significant hurricane and wind storm exposure. Insurers price policies to account for the probability and severity of storm damage, which pushes premiums 10% above the national average in Virginia.
Homeowners in Virginia should note that standard homeowners policies may not cover flood damage — separate flood insurance through the NFIP or private carriers is typically required for comprehensive protection in hurricane-prone areas.