Virginia Homeowners Insurance

Compiled by PlainInsure · May 15, 2026

U.S. Treasury FIO data for 748 ZIP codes in Virginia (VA).

The verdict

According to U.S. Treasury FIO filings, Virginia ranks #37 of 51 by average premium ($1,369/yr) ≠ #7 of 50 by nonrenewal (1.67%). Cost rank is not withdrawal rank.

$1,369
State avg premium (#37 of 51): #7
Nonrenewal of 50 (1.67%): 20184
In-state premium ZIP #1 ($5,060): 23704
In-state nonrenewal ZIP #1 (7.09%)

Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.

Virginia vs all states by ZIP-mean homeowners premium

Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)

$1,369 Lower than most lower premium than 71% of 51 states

States, banded by ZIP-mean annual homeowners premium (FIO)

Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2018–2022

Homeowners in Virginia pay an average of $1,369 per year for home insurance - 23% below the national average of $1,776. That ranks Virginia as the 37th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums rose by 8.0%; nonrenewal rates climbed by 83.6% over the same period.

On five-year premium growth (2018–2022), Virginia ranks 18th out of 51 states. Its nonrenewal rate (1.67%) ranks 7th out of 50 - nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

According to the U.S. Department of the Treasury, Federal Insurance Office - "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for how the state rank and comparison are calculated.

How Virginia Compares

vs National Average

$1,369 vs $1,776

23% below national avg

Rank Among States

37th of 51

most expensive for homeowners insurance

Loss Ratio vs National

44.0% vs 58.0%

insurers retain more margin here

Avg Premium

$1,369/yr

National avg: $1,776 (-23% below)

Premium Change

+8.0%

2018-2022 change

Avg Loss Ratio

44.0%

Claims paid vs premiums earned

Nonrenewal Rate

1.67%

+83.6% change

Data Snapshot: Virginia Homeowners Insurance

Across the 748 Virginia ZIP codes in the U.S. Treasury FIO data, the average annual home insurance premium is $1,369. That is an average of ZIP codes, in which a ZIP of a few hundred people counts the same as one of tens of thousands. Weighting each ZIP by its population, closer to what a typical Virginia homeowner pays, gives $1,555 per year. That is 23% below the national average of $1,776 per year reported by the Federal Insurance Office. Virginia ranks 37th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $807 in 24441 to $5,060 in 20184.

Between 2018 and 2022, average premiums rose by 8.0% in Virginia, placing the state 18th nationally on five-year premium growth. The state-level loss ratio averaged 44.0%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates, the share of policies insurers decline to extend at expiration, averaged 1.67% across the ZIP codes that report one (93% of the state's ZIP codes; those without a published rate are smaller and higher-premium on average, so this figure is likely conservative), a climb of 83.6% over the study period (ranking 7th out of 50 states).

Within Virginia, premium dispersion across ZIP codes is substantial: the most expensive ZIP (20184 in Upperville) charges 527% more than the least expensive (24441 in Grottoes), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.

How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.

Loss Ratio Reading: Virginia

Virginia statewide - FIO 2018-2022 average: 44% (Insurer-favorable) - low claim payout, insurer retains a healthy margin.

ZIP Codes Tracked

748

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$1,267	$1,177	57.4%	6.08%	0.91%
2019	$1,284 (+1.3%)	$1,193	39.8%	3.77%	1.10%
2020	$1,310 (+2.0%)	$1,215	39.8%	3.97%	0.99%
2021	$1,340 (+2.3%)	$1,248	36.8%	3.77%	1.33%
2022	$1,369 (+2.2%)	$1,280	44.0%	3.95%	1.67%

Average homeowners premium per year in Virginia.

Most Expensive ZIP Codes in Virginia

Most Affordable ZIP Codes in Virginia

All ZIP Codes in Virginia

748 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
20184	Upperville	$5,060	21.4%	7.19%	2.16%
22102	Mc Lean	$3,605	50.4%	8.30%	0.86%
20198	The Plains	$3,601	94.8%	17.27%	1.03%
23451	Virginia Beach	$3,595	33.1%	4.53%	5.51%
23347	Eastville	$3,344	6.2%	4.00%	N/A
22066	Great Falls	$3,185	61.7%	7.96%	1.03%
20117	Middleburg	$3,144	70.5%	10.73%	1.19%
20144	Delaplane	$2,898	345.4%	4.92%	1.23%
23507	Norfolk	$2,849	16.8%	3.76%	2.19%
23510	Norfolk	$2,821	41.9%	3.57%	2.38%
20129	Paeonian Springs	$2,800	131.8%	9.15%	0.65%
22643	Markham	$2,733	12.1%	3.80%	N/A
22578	White Stone	$2,688	41.0%	2.54%	0.58%
22101	Mc Lean	$2,684	43.4%	6.29%	0.86%
22639	Hume	$2,644	42.7%	2.76%	0.69%
22940	Free Union	$2,597	4.4%	1.26%	0.84%
20197	Waterford	$2,589	21.5%	4.70%	0.78%
22943	Greenwood	$2,555	9.0%	2.83%	N/A
23457	Virginia Beach	$2,541	13.9%	3.35%	5.93%
23310	Cape Charles	$2,356	2.4%	1.01%	0.63%
22480	Irvington	$2,355	3.2%	1.94%	N/A
23454	Virginia Beach	$2,337	24.3%	3.97%	8.02%
22039	Fairfax Station	$2,314	50.9%	8.70%	1.27%
20143	Catharpin	$2,308	50.4%	3.15%	1.57%
23119	Moon	$2,306	N/A	N/A	1.59%
23138	Port Haywood	$2,301	8.8%	1.95%	3.50%
23129	Oilville	$2,238	82.0%	11.59%	N/A
23433	Suffolk	$2,235	2.1%	1.50%	1.80%
22576	Weems	$2,228	42.4%	2.87%	1.26%
23021	Bohannon	$2,226	2.2%	1.67%	3.33%
22124	Oakton	$2,160	51.3%	7.78%	0.90%
23103	Manakin Sabot	$2,159	18.3%	3.42%	1.29%
23354	Franktown	$2,155	9.9%	2.53%	N/A
23076	Hudgins	$2,132	3.9%	0.56%	0.56%
23517	Norfolk	$2,115	9.3%	3.41%	2.27%
23456	Virginia Beach	$2,112	32.6%	3.93%	4.74%
23405	Machipongo	$2,111	49.6%	1.91%	0.48%
23455	Virginia Beach	$2,104	43.3%	4.07%	3.82%
22749	Woodville	$2,104	17.6%	6.58%	1.32%
23066	Gwynn	$2,092	16.1%	1.70%	1.14%
23043	Deltaville	$2,089	8.5%	2.02%	1.40%
20124	Clifton	$2,077	78.4%	8.09%	1.17%
23664	Hampton	$2,076	36.2%	3.68%	5.33%
23508	Norfolk	$2,048	46.5%	4.06%	4.35%
23128	North	$2,040	31.0%	4.35%	1.81%
23436	Suffolk	$2,038	2.4%	1.29%	6.44%
22482	Kilmarnock	$2,038	19.7%	3.64%	0.88%
22747	Washington	$2,018	10.1%	3.78%	1.26%
23432	Suffolk	$2,010	24.2%	3.36%	3.67%
23056	Foster	$2,002	38.2%	6.33%	1.27%
23109	Mathews	$2,001	0.6%	0.66%	1.97%
23025	Cardinal	$1,995	1.1%	2.22%	2.22%
20115	Marshall	$1,992	55.7%	8.50%	0.73%
22182	Vienna	$1,979	101.6%	6.95%	0.89%
22627	Flint Hill	$1,974	8.8%	1.96%	N/A
23662	Poquoson	$1,973	23.7%	3.66%	2.74%
22302	Alexandria	$1,972	40.9%	4.27%	1.53%
22503	Lancaster	$1,957	15.6%	2.51%	1.41%
23068	Hallieford	$1,956	162.3%	3.09%	N/A
23039	Crozier	$1,951	32.2%	4.41%	1.10%
22947	Keswick	$1,945	24.1%	5.40%	0.52%
22473	Heathsville	$1,939	41.4%	2.32%	0.75%
23071	Hartfield	$1,924	13.8%	2.50%	0.96%
23452	Virginia Beach	$1,911	44.6%	4.82%	4.60%
23417	Onancock	$1,906	38.2%	0.70%	1.75%
22207	Arlington	$1,903	29.3%	3.84%	0.56%
22511	Lottsburg	$1,890	13.0%	2.02%	0.45%
22027	Dunn Loring	$1,880	38.5%	6.81%	0.80%
22535	Port Royal	$1,879	56.1%	9.02%	1.64%
22488	Kinsale	$1,878	3.8%	1.04%	1.04%
23070	Hardyville	$1,874	8.8%	2.65%	1.77%
22432	Burgess	$1,874	2.5%	1.83%	N/A
23696	Seaford	$1,870	19.4%	2.59%	3.69%
23693	Yorktown	$1,870	46.8%	4.27%	1.38%
23505	Norfolk	$1,869	29.9%	3.17%	5.40%
20158	Hamilton	$1,863	73.1%	6.82%	0.93%
23322	Chesapeake	$1,856	19.5%	2.61%	3.85%
22539	Reedville	$1,839	8.0%	1.86%	1.24%
22436	Caret	$1,834	3.2%	3.49%	1.16%
20137	Broad Run	$1,831	31.0%	4.26%	0.95%
23301	Accomac	$1,828	4.9%	1.59%	1.06%
23314	Carrollton	$1,823	22.8%	3.55%	2.92%
22740	Sperryville	$1,823	16.6%	2.45%	0.70%
22716	Castleton	$1,821	11.7%	1.54%	1.03%
20181	Nokesville	$1,817	55.0%	5.35%	1.52%
20132	Purcellville	$1,815	73.0%	6.79%	0.50%
22181	Vienna	$1,812	40.6%	6.67%	0.89%
23113	Midlothian	$1,811	30.1%	3.58%	1.36%
23435	Suffolk	$1,799	39.0%	3.91%	4.74%
20176	Leesburg	$1,798	116.1%	13.32%	1.27%
22308	Alexandria	$1,794	44.4%	6.24%	0.73%
23050	Dutton	$1,790	0.3%	0.65%	N/A
20169	Haymarket	$1,775	32.1%	4.48%	1.24%
23606	Newport News	$1,775	47.2%	3.63%	1.81%
23518	Norfolk	$1,774	40.1%	4.01%	4.62%
22209	Arlington	$1,764	38.4%	5.14%	0.96%
20175	Leesburg	$1,763	52.1%	7.07%	0.89%
23845	Ebony	$1,758	62.8%	3.23%	1.29%
22620	Boyce	$1,758	58.3%	5.13%	0.18%
23692	Yorktown	$1,754	42.5%	3.67%	2.69%
23503	Norfolk	$1,750	41.6%	3.45%	4.69%
22435	Callao	$1,741	63.3%	3.49%	0.95%
23035	Cobbs Creek	$1,736	179.8%	2.35%	1.17%
23669	Hampton	$1,735	32.4%	4.72%	6.47%
22959	North Garden	$1,732	15.6%	2.60%	0.52%
22640	Huntly	$1,715	71.4%	2.54%	3.39%
20119	Catlett	$1,711	89.8%	5.10%	2.09%
23092	Locust Hill	$1,701	116.4%	3.36%	1.34%
23226	Richmond	$1,695	41.3%	3.66%	1.06%
22314	Alexandria	$1,695	22.6%	4.19%	0.49%
23306	Belle Haven	$1,693	6.2%	1.69%	1.13%
23221	Richmond	$1,693	38.7%	3.52%	0.87%
23453	Virginia Beach	$1,692	31.1%	4.11%	5.23%
23509	Norfolk	$1,684	25.3%	4.56%	4.39%
22201	Arlington	$1,683	28.3%	3.11%	0.80%
20135	Bluemont	$1,683	41.3%	2.42%	1.35%
23047	Doswell	$1,683	48.8%	6.31%	1.17%
22972	Somerset	$1,679	12.1%	2.86%	N/A
22213	Arlington	$1,674	29.4%	5.36%	0.92%
23607	Newport News	$1,673	30.5%	4.83%	3.73%
20141	Round Hill	$1,673	84.5%	6.27%	0.72%
23320	Chesapeake	$1,673	29.4%	3.97%	4.37%
23220	Richmond	$1,671	27.3%	3.37%	1.19%
23438	Suffolk	$1,671	9.2%	2.16%	3.77%
22307	Alexandria	$1,667	61.8%	10.11%	0.74%
23838	Chesterfield	$1,667	30.1%	3.10%	1.46%
20112	Manassas	$1,663	69.1%	7.35%	1.45%
23464	Virginia Beach	$1,661	41.4%	4.88%	3.65%
23102	Maidens	$1,659	36.5%	7.30%	1.14%
23504	Norfolk	$1,658	37.8%	4.65%	4.92%
23418	Onley	$1,653	13.9%	4.49%	0.64%
22202	Arlington	$1,647	36.8%	5.27%	0.91%
23185	Williamsburg	$1,645	30.7%	4.27%	2.07%
22724	Jeffersonton	$1,644	34.7%	4.28%	2.14%
20194	Reston	$1,644	44.6%	5.21%	0.68%
23175	Urbanna	$1,641	20.9%	2.88%	1.06%
23661	Hampton	$1,641	39.5%	5.24%	4.72%
23323	Chesapeake	$1,636	26.1%	4.39%	5.81%
22172	Triangle	$1,621	52.3%	7.26%	4.81%
20180	Lovettsville	$1,618	59.9%	6.24%	0.75%
23666	Hampton	$1,618	52.3%	5.72%	4.19%
23146	Rockville	$1,615	24.7%	4.05%	1.45%
23703	Portsmouth	$1,612	31.8%	4.41%	4.94%
23321	Chesapeake	$1,612	27.5%	3.33%	3.46%
20130	Paris	$1,610	41.5%	8.24%	N/A
20152	Chantilly	$1,609	110.5%	12.09%	1.10%
23442	Temperanceville	$1,608	N/A	N/A	0.83%
23502	Norfolk	$1,607	41.0%	4.55%	5.14%
20187	Warrenton	$1,602	94.0%	10.70%	0.84%
22713	Boston	$1,593	24.6%	2.72%	0.34%
23149	Saluda	$1,593	23.2%	3.21%	1.20%
24137	Penhook	$1,591	26.6%	3.07%	0.90%
23061	Gloucester	$1,590	34.1%	2.74%	1.50%
23437	Suffolk	$1,588	26.7%	1.71%	3.53%
22180	Vienna	$1,588	43.1%	4.15%	0.71%
23704	Portsmouth	$1,584	25.2%	5.29%	7.09%
22728	Midland	$1,584	88.8%	5.16%	1.00%
22046	Falls Church	$1,583	26.8%	4.06%	0.60%
22044	Falls Church	$1,583	33.9%	5.48%	0.74%
23430	Smithfield	$1,582	20.4%	2.96%	2.63%
20155	Gainesville	$1,576	56.0%	6.99%	1.28%
23192	Montpelier	$1,574	37.0%	6.00%	1.16%
23603	Newport News	$1,571	51.4%	5.46%	1.89%
22936	Earlysville	$1,570	50.2%	3.77%	0.58%
20106	Amissville	$1,569	82.2%	5.47%	0.88%
23180	Water View	$1,566	10.6%	2.59%	N/A
22556	Stafford	$1,566	44.4%	6.82%	1.87%
23885	Sutherland	$1,564	4.2%	4.23%	0.96%
23462	Virginia Beach	$1,562	34.8%	5.18%	5.37%
23434	Suffolk	$1,561	24.7%	3.92%	4.70%
20186	Warrenton	$1,561	111.6%	11.90%	0.79%
23602	Newport News	$1,560	46.2%	5.30%	2.33%
20136	Bristow	$1,549	51.5%	7.48%	1.22%
20148	Ashburn	$1,548	64.4%	6.81%	0.83%
23072	Hayes	$1,548	39.0%	2.90%	1.58%
23315	Carrsville	$1,547	49.4%	4.60%	2.09%
22720	Goldvein	$1,545	242.6%	5.79%	1.24%
22958	Nellysford	$1,545	29.0%	2.33%	0.52%
23410	Melfa	$1,544	16.3%	1.03%	1.03%
23523	Norfolk	$1,542	75.4%	6.27%	6.80%
23894	Wilsons	$1,541	32.2%	3.70%	1.23%
22406	Fredericksburg	$1,540	98.5%	12.08%	1.31%
20105	Aldie	$1,540	52.9%	5.37%	1.50%
23336	Chincoteague Island	$1,536	6.5%	1.02%	1.02%
24176	Union Hall	$1,530	8.8%	2.07%	0.69%
22060	Fort Belvoir	$1,528	79.7%	11.02%	1.57%
23015	Beaverdam	$1,528	28.6%	5.02%	0.89%
23350	Exmore	$1,527	14.6%	1.45%	1.45%
23663	Hampton	$1,526	35.4%	5.23%	6.12%
23079	Jamaica	$1,525	1.5%	0.89%	N/A
23011	Barhamsville	$1,523	99.5%	3.67%	1.38%
23601	Newport News	$1,521	28.2%	3.56%	2.81%
20165	Sterling	$1,520	45.1%	6.08%	0.97%
24445	Hot Springs	$1,518	15.5%	1.86%	1.17%
22920	Afton	$1,517	31.3%	2.24%	0.59%
23707	Portsmouth	$1,516	48.6%	4.52%	5.39%
23091	Little Plymouth	$1,516	N/A	N/A	N/A
23153	Sandy Hook	$1,515	30.4%	9.28%	1.86%
23117	Mineral	$1,515	43.6%	6.77%	1.68%
20171	Herndon	$1,510	63.3%	6.78%	0.87%
23608	Newport News	$1,509	43.5%	6.08%	3.59%
23238	Henrico	$1,507	28.2%	3.97%	1.39%
22301	Alexandria	$1,507	19.6%	2.96%	0.72%
22520	Montross	$1,507	14.5%	2.48%	1.15%
22030	Fairfax	$1,502	73.2%	6.52%	0.95%
22469	Hague	$1,501	27.5%	2.68%	1.56%
23169	Topping	$1,501	7.2%	3.41%	1.05%
23513	Norfolk	$1,500	22.9%	4.34%	5.94%
22733	Rapidan	$1,499	44.7%	5.64%	1.03%
23229	Henrico	$1,497	26.3%	3.96%	1.14%
23303	Atlantic	$1,495	N/A	N/A	1.79%
23030	Charles City	$1,495	17.1%	3.71%	1.86%
23062	Gloucester Point	$1,494	84.5%	4.10%	1.37%
23063	Goochland	$1,494	104.9%	11.24%	0.83%
24459	Middlebrook	$1,491	4.3%	1.87%	0.93%
23059	Glen Allen	$1,489	26.8%	3.37%	1.57%
23423	Quinby	$1,489	0.4%	1.64%	N/A
23842	Disputanta	$1,481	59.9%	3.20%	1.56%
24465	Monterey	$1,476	17.0%	1.01%	N/A
23325	Chesapeake	$1,474	28.9%	4.28%	3.87%
23085	King And Queen Court House	$1,474	24.7%	1.56%	3.13%
22742	Sumerduck	$1,472	17.4%	4.34%	0.96%
22709	Aroda	$1,471	31.5%	0.59%	1.78%
22554	Stafford	$1,469	57.5%	9.50%	2.11%
20147	Ashburn	$1,465	71.1%	7.40%	1.00%
23487	Windsor	$1,465	23.1%	2.82%	1.95%
23024	Bumpass	$1,464	190.2%	7.39%	1.22%
23126	Newtown	$1,464	40.3%	5.19%	1.30%
22309	Alexandria	$1,462	84.1%	7.85%	1.67%
22553	Spotsylvania	$1,457	52.6%	6.83%	1.26%
23881	Spring Grove	$1,456	24.0%	2.42%	1.82%
22079	Lorton	$1,454	54.2%	7.13%	1.35%
23857	Gasburg	$1,454	27.7%	3.09%	3.09%
22205	Arlington	$1,453	18.8%	2.94%	0.62%
22714	Brandy Station	$1,452	30.1%	7.65%	N/A
23844	Drewryville	$1,448	16.2%	4.76%	4.76%
23887	Valentines	$1,447	33.7%	3.09%	1.03%
22937	Esmont	$1,447	26.0%	4.35%	1.74%
23324	Chesapeake	$1,447	29.4%	3.70%	4.83%
22551	Spotsylvania	$1,445	49.5%	5.58%	1.44%
22485	King George	$1,442	70.8%	6.90%	1.26%
23168	Toano	$1,441	42.2%	2.63%	1.90%
23898	Zuni	$1,440	8.8%	1.70%	1.70%
23829	Capron	$1,440	12.8%	2.63%	0.66%
23805	Petersburg	$1,440	61.3%	7.16%	2.26%
23840	Dewitt	$1,436	13.3%	3.28%	1.23%
23188	Williamsburg	$1,436	36.9%	3.28%	2.09%
23055	Fork Union	$1,435	57.7%	6.30%	1.57%
22625	Cross Junction	$1,434	23.4%	3.16%	1.12%
22718	Elkwood	$1,433	15.7%	2.61%	1.74%
22903	Charlottesville	$1,430	28.2%	3.32%	0.69%
22611	Berryville	$1,429	50.3%	5.02%	0.92%
23872	Mc Kenney	$1,427	60.2%	4.91%	3.37%
22043	Falls Church	$1,425	46.3%	4.18%	0.75%
23690	Yorktown	$1,423	14.1%	3.80%	3.80%
22560	Tappahannock	$1,423	44.5%	2.05%	1.03%
22033	Fairfax	$1,416	58.6%	6.40%	1.05%
23420	Painter	$1,415	2.0%	0.75%	1.88%
22125	Occoquan	$1,412	50.0%	5.71%	N/A
22719	Etlan	$1,411	N/A	N/A	N/A
22401	Fredericksburg	$1,410	58.3%	9.31%	1.46%
24104	Huddleston	$1,410	75.0%	3.29%	0.45%
22041	Falls Church	$1,408	46.6%	5.42%	0.98%
24484	Warm Springs	$1,408	8.6%	2.63%	0.66%
22304	Alexandria	$1,406	29.4%	3.90%	0.69%
22025	Dumfries	$1,406	72.2%	9.26%	1.27%
23850	Ford	$1,405	8.0%	2.61%	N/A
23882	Stony Creek	$1,405	20.1%	5.49%	3.53%
22901	Charlottesville	$1,402	31.3%	3.98%	0.59%
22967	Roseland	$1,402	55.4%	1.94%	0.57%
22736	Richardsville	$1,401	3.3%	1.36%	1.36%
23917	Boydton	$1,396	71.9%	3.88%	1.11%
22031	Fairfax	$1,393	57.6%	4.23%	0.75%
23874	Newsoms	$1,392	20.9%	4.07%	0.81%
22610	Bentonville	$1,391	33.2%	1.93%	0.43%
23120	Moseley	$1,391	33.8%	3.51%	2.25%
23069	Hanover	$1,390	25.0%	4.46%	1.98%
20120	Centreville	$1,390	52.4%	7.28%	1.20%
24556	Goode	$1,389	14.6%	4.01%	1.08%
20151	Chantilly	$1,386	63.7%	9.11%	1.22%
24607	Breaks	$1,386	3.6%	3.23%	N/A
23139	Powhatan	$1,386	42.7%	4.45%	1.33%
23883	Surry	$1,385	12.2%	1.50%	0.75%
23841	Dinwiddie	$1,384	15.0%	3.71%	2.23%
22572	Warsaw	$1,383	17.7%	1.78%	1.45%
22514	Milford	$1,383	4.9%	0.73%	1.70%
23233	Henrico	$1,381	44.5%	4.25%	1.27%
23140	Providence Forge	$1,381	22.0%	2.61%	1.48%
23702	Portsmouth	$1,380	33.6%	5.13%	5.19%
20170	Herndon	$1,378	69.5%	5.65%	1.20%
23833	Church Road	$1,377	93.8%	5.65%	1.98%
23701	Portsmouth	$1,374	17.1%	2.82%	4.42%
23356	Greenbackville	$1,373	8.5%	1.40%	1.05%
22949	Lovingston	$1,372	80.5%	5.12%	0.93%
24121	Moneta	$1,372	32.5%	2.66%	1.21%
22735	Reva	$1,372	38.9%	4.66%	0.25%
23915	Baskerville	$1,372	25.9%	2.88%	1.92%
22454	Dunnsville	$1,370	9.6%	1.00%	1.50%
23089	Lanexa	$1,369	22.2%	1.94%	1.21%
23176	Wake	$1,369	41.9%	2.35%	N/A
22192	Woodbridge	$1,368	55.5%	6.55%	1.24%
24059	Bent Mountain	$1,367	6.1%	2.07%	0.83%
23890	Waverly	$1,366	21.2%	3.05%	0.83%
22580	Woodford	$1,365	22.8%	5.38%	1.54%
23836	Chester	$1,364	49.2%	4.82%	1.82%
23827	Boykins	$1,362	61.5%	3.47%	4.86%
22003	Annandale	$1,358	58.2%	5.51%	1.22%
23605	Newport News	$1,353	16.8%	3.53%	5.10%
22542	Rhoadesville	$1,353	29.8%	6.06%	0.93%
23899	Claremont	$1,348	N/A	N/A	2.99%
22032	Fairfax	$1,348	45.4%	6.28%	0.87%
23148	Saint Stephens Church	$1,346	-0.7%	1.57%	2.09%
23868	Lawrenceville	$1,346	106.6%	9.09%	2.35%
22310	Alexandria	$1,342	74.3%	7.05%	1.18%
23110	Mattaponi	$1,342	9.2%	2.78%	1.39%
22737	Rixeyville	$1,339	142.5%	3.04%	0.87%
22624	Clear Brook	$1,336	36.7%	3.24%	0.34%
23851	Franklin	$1,334	44.2%	4.70%	2.24%
22726	Lignum	$1,334	60.9%	6.33%	N/A
22311	Alexandria	$1,332	31.2%	4.08%	1.20%
23875	Prince George	$1,332	24.3%	5.05%	1.61%
23227	Richmond	$1,329	52.3%	4.57%	1.47%
22645	Middletown	$1,325	57.6%	4.12%	1.06%
23086	King William	$1,323	13.8%	1.85%	0.51%
23231	Henrico	$1,323	45.8%	5.61%	2.16%
20166	Sterling	$1,321	107.2%	10.36%	0.93%
24473	Rockbridge Baths	$1,321	6.5%	3.09%	0.52%
23177	Walkerton	$1,321	23.4%	3.64%	N/A
22974	Troy	$1,321	51.6%	3.46%	1.44%
24503	Lynchburg	$1,321	25.1%	4.61%	1.07%
22405	Fredericksburg	$1,318	85.1%	9.02%	1.51%
23027	Cartersville	$1,318	50.6%	6.07%	1.87%
23830	Carson	$1,316	21.3%	3.22%	0.32%
23308	Bloxom	$1,316	11.6%	0.49%	2.96%
23897	Yale	$1,315	5.7%	2.90%	1.45%
23114	Midlothian	$1,314	30.7%	3.46%	1.55%
23084	Kents Store	$1,314	49.1%	6.59%	1.37%
23927	Clarksville	$1,314	8.9%	2.37%	1.45%
23919	Bracey	$1,313	29.0%	4.90%	0.94%
23222	Richmond	$1,312	26.5%	4.21%	1.93%
20191	Reston	$1,311	62.8%	6.06%	0.97%
23831	Chester	$1,311	36.0%	4.87%	2.16%
22508	Locust Grove	$1,310	42.8%	4.93%	1.09%
22712	Bealeton	$1,308	57.9%	5.98%	0.88%
24090	Fincastle	$1,308	12.0%	2.77%	1.04%
22534	Partlow	$1,308	184.5%	7.38%	1.31%
22312	Alexandria	$1,306	70.5%	5.61%	1.20%
23083	Jetersville	$1,304	10.3%	3.13%	1.42%
23093	Louisa	$1,304	33.4%	5.66%	1.39%
22305	Alexandria	$1,301	24.6%	2.78%	0.68%
22153	Springfield	$1,298	53.3%	7.60%	0.87%
22546	Ruther Glen	$1,297	54.5%	6.66%	1.72%
22734	Remington	$1,296	39.1%	4.83%	1.29%
23888	Wakefield	$1,295	10.8%	5.38%	2.69%
23878	Sedley	$1,294	35.4%	3.39%	1.13%
22701	Culpeper	$1,293	26.8%	3.62%	1.09%
22407	Fredericksburg	$1,292	52.8%	6.71%	1.26%
23837	Courtland	$1,292	27.3%	4.34%	1.74%
23421	Parksley	$1,290	7.0%	1.51%	2.37%
24562	Howardsville	$1,290	24.6%	4.00%	N/A
23002	Amelia Court House	$1,290	60.8%	5.71%	1.57%
22315	Alexandria	$1,289	65.6%	6.60%	0.87%
22938	Faber	$1,289	15.3%	2.11%	N/A
22931	Covesville	$1,289	6.0%	1.27%	1.27%
23944	Kenbridge	$1,289	19.9%	4.40%	2.42%
20111	Manassas	$1,287	48.6%	5.38%	1.74%
22306	Alexandria	$1,287	68.1%	7.71%	1.14%
22015	Burke	$1,287	60.7%	6.92%	0.91%
23921	Buckingham	$1,287	16.2%	2.84%	1.42%
22935	Dyke	$1,286	N/A	N/A	1.82%
23116	Mechanicsville	$1,286	38.8%	3.21%	1.45%
23005	Ashland	$1,285	48.4%	3.04%	1.54%
22193	Woodbridge	$1,282	61.6%	6.53%	1.90%
20190	Reston	$1,281	84.0%	5.17%	0.88%
22026	Dumfries	$1,278	54.7%	6.65%	1.70%
22923	Barboursville	$1,278	18.0%	2.80%	0.96%
22960	Orange	$1,277	60.9%	6.60%	1.23%
22567	Unionville	$1,277	92.7%	5.95%	1.40%
24590	Scottsville	$1,276	87.0%	4.26%	1.10%
22203	Arlington	$1,276	55.9%	3.15%	0.82%
22654	Star Tannery	$1,276	2.7%	0.97%	1.45%
23065	Gum Spring	$1,275	72.5%	8.49%	0.82%
22637	Gore	$1,274	39.4%	4.50%	0.61%
24184	Wirtz	$1,274	15.6%	2.19%	1.55%
23112	Midlothian	$1,273	45.2%	4.53%	2.12%
24529	Buffalo Junction	$1,273	16.9%	1.79%	0.60%
22408	Fredericksburg	$1,270	58.4%	6.89%	1.71%
22042	Falls Church	$1,269	54.8%	4.05%	1.04%
22727	Madison	$1,269	13.2%	2.07%	1.08%
22642	Linden	$1,268	33.9%	4.42%	1.97%
23960	Prospect	$1,267	19.9%	2.48%	0.83%
22460	Farnham	$1,266	9.0%	1.81%	0.72%
22644	Maurertown	$1,264	30.3%	4.08%	2.04%
22191	Woodbridge	$1,263	54.8%	5.86%	2.38%
22437	Center Cross	$1,262	30.4%	2.55%	0.64%
23968	Skipwith	$1,261	62.9%	6.56%	2.46%
22603	Winchester	$1,258	46.6%	3.74%	1.22%
23866	Ivor	$1,256	21.1%	3.99%	1.71%
23847	Emporia	$1,255	38.9%	4.22%	2.28%
23038	Columbia	$1,255	62.5%	8.26%	1.10%
23181	West Point	$1,254	8.8%	2.02%	1.23%
23846	Elberon	$1,254	27.9%	2.10%	2.10%
23839	Dendron	$1,252	6.7%	1.61%	N/A
20110	Manassas	$1,250	42.8%	5.39%	1.54%
23824	Blackstone	$1,250	46.6%	4.79%	1.89%
23920	Brodnax	$1,249	20.9%	3.34%	0.77%
22942	Gordonsville	$1,249	26.5%	4.17%	1.14%
23415	New Church	$1,248	8.3%	1.79%	1.19%
22150	Springfield	$1,248	55.7%	6.48%	1.68%
23223	Richmond	$1,248	47.4%	6.51%	2.21%
23832	Chesterfield	$1,248	56.1%	6.46%	1.69%
22652	Fort Valley	$1,247	12.6%	1.20%	1.50%
23930	Crewe	$1,245	109.3%	3.36%	2.10%
23954	Meherrin	$1,244	35.3%	3.67%	1.63%
24528	Brookneal	$1,243	16.0%	3.34%	N/A
22602	Winchester	$1,242	50.7%	5.25%	1.25%
22663	White Post	$1,242	30.1%	3.99%	0.33%
23856	Freeman	$1,240	107.3%	4.49%	3.37%
22715	Brightwood	$1,238	4.7%	1.85%	0.46%
24597	Vernon Hill	$1,238	8.3%	2.13%	1.42%
23004	Arvonia	$1,237	69.3%	9.17%	N/A
22152	Springfield	$1,236	49.1%	5.85%	1.27%
23235	Richmond	$1,236	38.8%	3.60%	1.55%
24460	Millboro	$1,230	5.5%	0.71%	0.71%
22922	Arrington	$1,229	103.4%	1.97%	1.97%
23234	Richmond	$1,228	56.4%	6.50%	2.55%
23803	Petersburg	$1,228	69.5%	6.29%	2.10%
23236	Richmond	$1,227	49.2%	4.96%	1.59%
24083	Daleville	$1,226	24.7%	2.78%	1.56%
23225	Richmond	$1,224	37.2%	4.09%	1.44%
23009	Aylett	$1,223	17.9%	3.14%	0.98%
23156	Shacklefords	$1,223	1679.3%	2.01%	0.67%
22427	Bowling Green	$1,219	71.2%	3.99%	10.75%
23106	Manquin	$1,217	23.8%	3.72%	1.06%
23141	Quinton	$1,215	22.2%	2.07%	0.86%
23040	Cumberland	$1,215	47.0%	4.49%	1.31%
23974	Victoria	$1,210	31.7%	5.15%	1.79%
22969	Schuyler	$1,208	106.3%	2.18%	N/A
23821	Alberta	$1,208	15.8%	4.11%	3.42%
22204	Arlington	$1,207	30.5%	3.51%	0.87%
23964	Red Oak	$1,204	24.6%	3.85%	0.77%
24580	Nelson	$1,203	9.2%	2.33%	2.33%
23124	New Kent	$1,201	67.2%	1.83%	1.62%
24101	Hardy	$1,200	45.2%	2.22%	1.38%
22738	Rochelle	$1,199	11.1%	2.51%	1.01%
23934	Cullen	$1,199	1.8%	1.35%	1.35%
23123	New Canton	$1,199	83.4%	4.41%	1.47%
20164	Sterling	$1,198	67.9%	5.83%	1.43%
23834	Colonial Heights	$1,197	60.4%	5.04%	1.98%
23060	Glen Allen	$1,196	41.7%	4.25%	1.84%
24095	Goodview	$1,194	9.9%	2.14%	1.63%
24016	Roanoke	$1,193	23.3%	4.82%	2.71%
23224	Richmond	$1,193	64.0%	6.82%	2.95%
24472	Raphine	$1,193	25.6%	3.65%	1.40%
23150	Sandston	$1,192	43.0%	3.83%	2.27%
24149	Riner	$1,192	11.6%	1.86%	2.01%
23860	Hopewell	$1,191	31.3%	4.25%	2.53%
24551	Forest	$1,191	38.5%	3.20%	1.22%
24603	Big Rock	$1,188	397.3%	2.04%	3.06%
22911	Charlottesville	$1,188	26.8%	3.69%	0.82%
24082	Critz	$1,187	55.0%	6.06%	N/A
23936	Dillwyn	$1,186	17.2%	4.63%	1.28%
24437	Fort Defiance	$1,184	6.5%	2.82%	1.13%
23022	Bremo Bluff	$1,184	21.3%	7.32%	3.25%
24079	Copper Hill	$1,183	7.5%	1.27%	1.59%
24464	Montebello	$1,183	5.5%	3.45%	3.45%
20121	Centreville	$1,182	43.3%	5.86%	1.54%
23970	South Hill	$1,181	59.9%	4.64%	0.52%
24060	Blacksburg	$1,177	19.8%	1.82%	0.64%
22932	Crozet	$1,175	14.8%	2.06%	0.46%
22443	Colonial Beach	$1,174	21.9%	3.19%	1.97%
22810	Basye	$1,171	21.2%	1.91%	0.35%
22971	Shipman	$1,171	47.4%	3.74%	1.25%
24614	Grundy	$1,170	100.1%	3.36%	1.83%
22151	Springfield	$1,168	48.2%	6.00%	1.42%
23922	Burkeville	$1,167	38.3%	5.25%	0.98%
23901	Farmville	$1,166	29.5%	3.51%	1.23%
23111	Mechanicsville	$1,166	28.3%	3.32%	1.48%
22650	Rileyville	$1,165	2.8%	1.19%	0.60%
24504	Lynchburg	$1,165	20.8%	4.07%	1.82%
24014	Roanoke	$1,164	43.9%	3.79%	1.46%
24065	Boones Mill	$1,164	37.2%	2.99%	1.38%
24479	Swoope	$1,160	36.9%	1.63%	N/A
24018	Roanoke	$1,159	35.4%	3.72%	1.45%
24175	Troutville	$1,157	34.7%	3.47%	1.43%
23950	La Crosse	$1,155	42.8%	6.46%	1.17%
24598	Virgilina	$1,154	18.1%	2.04%	0.41%
24574	Monroe	$1,152	22.3%	3.55%	1.23%
24128	Newport	$1,149	5.1%	0.86%	0.58%
23923	Charlotte Court House	$1,149	23.0%	2.65%	0.29%
22630	Front Royal	$1,147	40.0%	3.76%	1.08%
23924	Chase City	$1,147	40.1%	2.41%	1.02%
24211	Abingdon	$1,146	18.6%	2.76%	1.70%
23962	Randolph	$1,145	10.2%	2.50%	1.25%
22847	Quicksburg	$1,145	3.2%	1.35%	2.70%
24347	Hiwassee	$1,145	12.8%	2.72%	1.63%
22841	Mount Crawford	$1,145	21.8%	0.55%	0.83%
24555	Glasgow	$1,142	75.1%	2.45%	1.53%
24620	Hurley	$1,142	405.4%	2.69%	0.90%
22824	Edinburg	$1,141	69.3%	1.66%	0.33%
22660	Toms Brook	$1,140	111.0%	10.66%	0.74%
23867	Jarratt	$1,139	22.2%	3.66%	2.93%
24558	Halifax	$1,139	21.5%	4.58%	1.22%
24162	Shawsville	$1,139	37.4%	2.65%	0.29%
23937	Drakes Branch	$1,138	69.0%	5.88%	1.96%
24483	Vesuvius	$1,138	N/A	N/A	N/A
22973	Stanardsville	$1,137	20.5%	2.74%	0.81%
23966	Rice	$1,137	38.2%	3.30%	1.50%
23237	Richmond	$1,133	58.7%	3.62%	1.84%
22623	Chester Gap	$1,133	91.6%	4.03%	1.61%
22846	Penn Laird	$1,130	55.6%	2.23%	1.11%
23967	Saxe	$1,129	13.1%	5.77%	N/A
23230	Richmond	$1,128	29.4%	3.45%	1.24%
22601	Winchester	$1,127	78.9%	6.47%	0.98%
24072	Check	$1,127	20.9%	2.71%	0.90%
24067	Callaway	$1,127	10.5%	1.90%	1.19%
22303	Alexandria	$1,123	90.7%	5.71%	1.33%
24105	Indian Valley	$1,122	25.5%	1.52%	N/A
24534	Clover	$1,118	61.6%	3.21%	0.53%
23075	Henrico	$1,118	51.0%	4.56%	2.03%
24450	Lexington	$1,116	18.1%	2.83%	0.97%
24541	Danville	$1,116	30.7%	3.54%	1.68%
24521	Amherst	$1,115	32.8%	3.72%	1.57%
24280	Rosedale	$1,114	42.6%	5.65%	2.82%
24569	Long Island	$1,113	16.0%	3.48%	0.87%
22963	Palmyra	$1,111	52.0%	5.14%	1.30%
24471	Port Republic	$1,110	19.5%	1.55%	1.55%
24323	Crockett	$1,109	5.4%	1.28%	3.85%
22939	Fishersville	$1,107	510.8%	26.99%	1.94%
24363	Mouth Of Wilson	$1,107	35.5%	2.41%	0.80%
23942	Green Bay	$1,106	15.4%	0.74%	N/A
22664	Woodstock	$1,106	11.4%	2.54%	0.77%
23958	Pamplin	$1,104	31.0%	1.30%	1.73%
24248	Ewing	$1,101	30.0%	4.74%	1.82%
24634	Pilgrims Knob	$1,101	91.9%	8.11%	1.35%
24202	Bristol	$1,099	27.4%	2.74%	1.13%
24520	Alton	$1,099	9.2%	1.89%	1.52%
22968	Ruckersville	$1,099	16.3%	3.24%	1.51%
24066	Buchanan	$1,098	18.1%	2.40%	1.08%
24592	South Boston	$1,097	111.5%	4.19%	1.65%
24440	Greenville	$1,097	65.3%	2.12%	1.82%
24605	Bluefield	$1,096	32.2%	2.28%	1.56%
23959	Phenix	$1,095	N/A	N/A	0.82%
24599	Wingina	$1,094	33.0%	5.00%	N/A
24350	Ivanhoe	$1,093	21.3%	4.26%	1.42%
22842	Mount Jackson	$1,091	17.2%	2.76%	1.08%
22206	Arlington	$1,090	34.8%	4.43%	0.86%
24219	Big Stone Gap	$1,090	34.0%	2.59%	1.86%
24526	Big Island	$1,090	167.2%	4.49%	3.37%
24326	Elk Creek	$1,089	15.2%	2.03%	2.54%
24553	Gladstone	$1,087	32.8%	3.26%	1.45%
24092	Glade Hill	$1,086	12.3%	2.05%	0.61%
24467	Mount Sidney	$1,085	38.7%	3.09%	2.06%
22834	Linville	$1,084	10.1%	1.20%	0.60%
24324	Draper	$1,083	15.9%	2.36%	1.57%
24646	Rowe	$1,081	2.1%	1.25%	5.00%
22655	Stephens City	$1,080	83.7%	7.60%	1.06%
24622	Jewell Ridge	$1,080	6.5%	N/A	3.19%
24530	Callands	$1,079	50.0%	4.00%	1.60%
24352	Laurel Fork	$1,078	11.1%	2.33%	0.47%
20109	Manassas	$1,078	39.1%	5.84%	1.83%
22656	Stephenson	$1,076	26.5%	3.41%	1.14%
22843	Mount Solon	$1,076	7.0%	0.71%	1.42%
24531	Chatham	$1,075	36.3%	4.56%	1.23%
24174	Thaxton	$1,075	1.4%	0.28%	1.13%
24139	Pittsville	$1,074	122.0%	4.23%	1.41%
24112	Martinsville	$1,073	39.9%	4.36%	1.87%
22902	Charlottesville	$1,072	38.1%	3.83%	0.94%
24091	Floyd	$1,068	43.5%	3.56%	1.19%
22851	Stanley	$1,068	117.6%	2.33%	0.93%
24076	Claudville	$1,067	52.7%	4.52%	0.56%
24435	Fairfield	$1,066	123.1%	5.42%	1.44%
24578	Natural Bridge	$1,064	3.1%	1.32%	1.32%
24577	Nathalie	$1,063	12.4%	3.59%	1.00%
24064	Blue Ridge	$1,063	29.9%	2.83%	1.58%
24069	Cascade	$1,058	22.3%	3.52%	0.44%
24070	Catawba	$1,055	7.8%	1.99%	1.33%
23947	Keysville	$1,055	21.7%	2.87%	1.91%
24102	Henry	$1,055	3.1%	1.53%	1.92%
22657	Strasburg	$1,055	41.7%	4.08%	0.99%
24432	Deerfield	$1,054	6.2%	1.59%	1.59%
24380	Willis	$1,054	173.1%	2.56%	1.86%
24651	Tazewell	$1,053	30.5%	2.92%	1.55%
24458	Mc Dowell	$1,053	N/A	N/A	N/A
24550	Evington	$1,050	15.9%	2.76%	1.19%
24087	Elliston	$1,049	28.9%	2.62%	1.40%
22835	Luray	$1,049	41.8%	2.68%	1.37%
24594	Sutherlin	$1,046	6.6%	1.20%	1.81%
24088	Ferrum	$1,046	28.0%	3.52%	0.64%
24554	Gladys	$1,046	8.4%	2.73%	1.14%
24571	Lynch Station	$1,044	19.0%	2.90%	1.85%
24256	Haysi	$1,044	31.1%	1.39%	0.55%
24487	Williamsville	$1,044	8.0%	1.43%	N/A
24054	Axton	$1,043	41.5%	4.94%	1.73%
24283	Saint Paul	$1,042	8.1%	2.76%	2.07%
24165	Spencer	$1,041	46.4%	4.01%	1.09%
24348	Independence	$1,040	3.3%	0.82%	0.49%
24522	Appomattox	$1,038	25.8%	2.96%	0.48%
24589	Scottsburg	$1,038	6.5%	1.69%	2.97%
24523	Bedford	$1,038	13.3%	2.39%	1.72%
24134	Pearisburg	$1,036	23.3%	3.85%	1.14%
24263	Jonesville	$1,034	77.7%	3.77%	2.15%
24637	Pounding Mill	$1,033	16.5%	3.63%	1.49%
24270	Mendota	$1,033	N/A	N/A	2.94%
24565	Java	$1,032	7.4%	3.15%	3.94%
24381	Woodlawn	$1,031	144.5%	6.03%	0.97%
24141	Radford	$1,031	13.5%	2.18%	1.14%
24120	Meadows Of Dan	$1,030	15.4%	1.48%	1.48%
24148	Ridgeway	$1,028	34.1%	4.17%	1.85%
24210	Abingdon	$1,028	49.8%	3.65%	1.03%
23228	Henrico	$1,026	57.1%	4.17%	1.43%
24053	Ararat	$1,026	53.1%	4.71%	0.79%
24538	Concord	$1,025	13.7%	2.40%	0.80%
24421	Churchville	$1,024	16.1%	2.87%	0.43%
24273	Norton	$1,024	8.0%	1.61%	1.75%
24216	Appalachia	$1,023	8.1%	2.64%	3.02%
22831	Hinton	$1,019	5.5%	1.54%	0.77%
24122	Montvale	$1,018	34.1%	1.92%	0.77%
24635	Pocahontas	$1,018	N/A	N/A	3.17%
24085	Eagle Rock	$1,018	32.3%	1.89%	2.16%
24161	Sandy Level	$1,018	5.2%	3.95%	N/A
22830	Fulks Run	$1,018	37.2%	1.37%	N/A
24138	Pilot	$1,017	80.4%	3.65%	0.91%
24361	Meadowview	$1,016	48.8%	4.92%	2.31%
24185	Woolwine	$1,015	15.8%	3.03%	0.87%
23294	Henrico	$1,013	48.3%	3.50%	2.08%
24281	Rose Hill	$1,012	29.9%	4.98%	1.49%
24220	Birchleaf	$1,011	N/A	N/A	N/A
24171	Stuart	$1,011	48.0%	4.06%	1.13%
24366	Rocky Gap	$1,010	25.1%	4.85%	0.61%
24378	Troutdale	$1,010	14.4%	3.28%	1.64%
24593	Spout Spring	$1,010	10.5%	1.94%	1.11%
24588	Rustburg	$1,009	25.5%	4.03%	2.14%
24566	Keeling	$1,009	75.8%	6.96%	0.63%
24015	Roanoke	$1,008	33.2%	2.88%	1.47%
24153	Salem	$1,005	31.4%	2.73%	1.12%
24237	Dante	$1,003	206.6%	5.26%	N/A
24328	Fancy Gap	$1,002	14.4%	2.43%	1.21%
24258	Hiltons	$1,002	13.5%	2.31%	0.93%
24586	Ringgold	$1,002	24.3%	3.72%	0.53%
24279	Pound	$1,001	18.8%	2.61%	2.43%
24277	Pennington Gap	$1,000	20.6%	3.12%	3.53%
24485	West Augusta	$1,000	492.3%	3.26%	1.09%
22832	Keezletown	$999	11.9%	1.23%	N/A
24549	Dry Fork	$999	38.8%	4.72%	1.14%
24266	Lebanon	$998	18.6%	2.68%	0.91%
22840	Mc Gaheysville	$998	98.8%	2.30%	0.64%
24243	Dryden	$997	19.8%	3.78%	0.84%
22952	Lyndhurst	$997	65.4%	4.26%	0.24%
24630	North Tazewell	$995	29.8%	3.13%	1.67%
24382	Wytheville	$995	59.5%	3.92%	1.47%
24656	Vansant	$994	207.2%	18.41%	1.46%
22844	New Market	$994	64.4%	2.64%	1.51%
22811	Bergton	$993	17.0%	2.67%	5.33%
24293	Wise	$993	25.8%	3.13%	1.33%
24333	Galax	$993	38.0%	3.08%	1.87%
24486	Weyers Cave	$993	25.1%	1.95%	1.62%
24151	Rocky Mount	$991	34.7%	2.37%	1.39%
24649	Swords Creek	$989	7.1%	1.18%	1.57%
24368	Rural Retreat	$989	86.0%	2.48%	1.10%
24631	Oakwood	$988	95.9%	2.59%	4.31%
24132	Parrott	$988	N/A	N/A	N/A
24136	Pembroke	$986	168.4%	3.14%	1.05%
24236	Damascus	$985	10.1%	2.05%	0.68%
24228	Clintwood	$984	60.7%	1.73%	1.41%
24439	Goshen	$984	24.0%	4.35%	1.24%
24340	Glade Spring	$983	14.0%	2.39%	1.67%
24221	Blackwater	$981	36.9%	1.02%	N/A
24613	Falls Mills	$980	16.7%	1.45%	3.62%
24055	Bassett	$980	14.0%	2.81%	1.22%
24084	Dublin	$979	26.4%	2.04%	1.25%
24013	Roanoke	$977	14.3%	4.06%	2.74%
24127	New Castle	$977	8.0%	1.25%	1.81%
24245	Dungannon	$977	19.2%	3.01%	1.50%
24527	Blairs	$976	16.5%	3.64%	0.97%
24260	Honaker	$975	29.3%	2.16%	1.48%
24572	Madison Heights	$975	43.0%	3.05%	1.42%
24251	Gate City	$975	56.6%	2.76%	2.10%
24230	Coeburn	$974	67.9%	2.38%	2.05%
24077	Cloverdale	$974	23.4%	3.16%	1.05%
24089	Fieldale	$973	23.5%	2.56%	1.49%
24354	Marion	$973	159.7%	11.70%	2.24%
24426	Covington	$972	28.8%	2.51%	1.78%
24314	Bastian	$972	0.7%	1.03%	0.51%
24271	Nickelsville	$971	13.2%	2.99%	1.99%
24641	Richlands	$967	11.3%	1.38%	2.88%
24430	Craigsville	$967	10.7%	2.58%	1.55%
22980	Waynesboro	$966	306.1%	18.48%	1.33%
24517	Altavista	$965	11.7%	2.31%	1.99%
24609	Cedar Bluff	$964	21.6%	3.39%	1.56%
24224	Castlewood	$962	31.5%	2.85%	2.06%
22849	Shenandoah	$962	14.2%	1.43%	1.17%
24301	Pulaski	$961	80.2%	3.47%	1.10%
24179	Vinton	$959	31.0%	2.72%	1.85%
24073	Christiansburg	$957	16.3%	2.07%	1.09%
22827	Elkton	$956	8.8%	1.87%	0.62%
24319	Chilhowie	$955	64.3%	4.27%	1.71%
24540	Danville	$955	45.9%	3.94%	1.07%
24019	Roanoke	$954	35.2%	3.63%	1.39%
24401	Staunton	$954	51.8%	4.42%	1.08%
24244	Duffield	$953	3.7%	1.23%	1.38%
24557	Gretna	$953	31.2%	2.99%	1.81%
24360	Max Meadows	$949	96.9%	2.75%	1.44%
24422	Clifton Forge	$948	47.8%	2.88%	1.55%
24312	Austinville	$948	134.2%	3.17%	1.81%
24078	Collinsville	$947	38.3%	2.81%	1.87%
22801	Harrisonburg	$947	19.0%	1.92%	0.74%
24265	Keokee	$945	N/A	N/A	2.82%
24147	Rich Creek	$940	20.0%	2.44%	1.22%
24012	Roanoke	$940	31.0%	3.84%	1.76%
24315	Bland	$937	81.5%	1.78%	2.54%
24017	Roanoke	$936	73.1%	4.46%	2.10%
24124	Narrows	$935	48.1%	3.30%	1.27%
24579	Natural Bridge Station	$935	35.4%	2.45%	1.84%
24375	Sugar Grove	$932	42.8%	3.31%	2.21%
24370	Saltville	$932	11.4%	2.44%	2.44%
24343	Hillsville	$929	67.8%	4.80%	1.48%
24201	Bristol	$929	34.6%	3.48%	1.38%
24482	Verona	$928	82.0%	2.79%	1.14%
22815	Broadway	$928	26.2%	2.31%	0.77%
22812	Bridgewater	$927	28.5%	2.44%	0.84%
24639	Raven	$926	14.6%	2.00%	0.33%
24330	Fries	$923	18.2%	0.92%	3.36%
24477	Stuarts Draft	$923	46.7%	3.83%	1.00%
24502	Lynchburg	$922	25.7%	2.78%	1.36%
22821	Dayton	$920	9.3%	1.35%	0.81%
22850	Singers Glen	$917	7.9%	1.69%	2.54%
24225	Cleveland	$912	35.2%	1.34%	1.34%
24351	Lambsburg	$896	8.7%	2.97%	1.98%
24250	Fort Blackmore	$896	77.8%	1.38%	2.07%
24325	Dugspur	$894	N/A	N/A	0.96%
24133	Patrick Springs	$894	9.4%	1.40%	0.93%
24431	Crimora	$888	18.2%	1.67%	0.72%
24501	Lynchburg	$886	48.1%	3.87%	1.67%
22802	Harrisonburg	$886	21.1%	1.80%	0.72%
24226	Clinchco	$885	19.0%	2.01%	1.34%
22853	Timberville	$880	91.0%	3.26%	0.59%
24317	Cana	$877	153.6%	2.39%	1.67%
24290	Weber City	$874	12.1%	2.75%	1.22%
24602	Bandy	$873	13.6%	3.85%	N/A
24563	Hurt	$871	47.0%	3.21%	1.76%
24150	Ripplemead	$855	10.1%	3.28%	2.46%
24311	Atkins	$851	23.8%	3.11%	3.11%
24416	Buena Vista	$846	24.6%	2.32%	0.75%
24313	Barren Springs	$829	29.5%	3.66%	N/A
23395	Horntown	$822	2.7%	0.79%	N/A
24374	Speedwell	$820	7.7%	1.11%	3.33%
24441	Grottoes	$807	13.7%	2.03%	0.88%

Virginia Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How Virginia compares to other states

Explore More Insurance Data

Premium Rankings

Most & least expensive ZIPs and states nationwide

Dental Insurance in Virginia

DHMO vs DPPO premiums (NADP 2024)

Compare All States

Average premiums and nonrenewals across the U.S.

Natural-hazard context (FEMA NRI)

County National Risk Index scores joined to Virginia ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.

Mean county risk score

48.0

46th of 50 states by mean score · national mean 69.3

Counties joined

124

Distinct county FIPS on Virginia FIO ZIPs

Most common top hazard

Hurricane

36 of 124 counties

Highest FEMA NRI counties in Virginia
County	Risk score	Rating	Top hazard
Fairfax	94.7	Relatively High	Hurricane
Chesterfield	84.8	Relatively Moderate	Earthquake
Henrico	83.4	Relatively Moderate	Earthquake

Counties with elevated FEMA hazard ratings in Virginia
Hazard	Elevated counties	Share of joined
Winter weather	7	6%
Flooding	1	1%
Hail	1	1%
Hurricane	1	1%

Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.

Source: FEMA National Risk Index · research board: top counties by NRI score.

Nationwide states with similar insurance profiles

Two FIO peer sets for Virginia: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.

Similar average premium

Nearest states by average homeowners premium ($1,369/yr here).

North Carolina $1,379/yr Washington $1,384/yr Idaho $1,321/yr New Hampshire $1,428/yr

Similar nonrenewal rate

Nearest states by average nonrenewal rate (1.67% here).

Kansas 1.64% Missouri 1.60% California 1.86% Mississippi 1.48%

Frequently Asked Questions

What is the average homeowners insurance cost in Virginia? ▼

Averaged across the 748 Virginia ZIP codes in the U.S. Treasury FIO data, the annual homeowners premium is $1,369 ($1,555 when each ZIP is weighted by population, which is closer to what a typical homeowner pays). This is 23% below the national average of $1,776.

How have insurance premiums changed in Virginia? ▼

Virginia homeowners insurance premiums changed by +8.0% between 2018 and 2022. The average loss ratio is 44.0%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in Virginia? ▼

The most expensive ZIP code for homeowners insurance in Virginia is 20184, with an average premium of $5,060/yr. The most affordable is 24441 at $807/yr.

What is the nonrenewal rate for Virginia homeowners insurance? ▼

Averaged across the Virginia ZIP codes that report one (93% of the state's ZIP codes), the nonrenewal rate is 1.67%. This rate has changed by +83.6% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 23704 has the highest nonrenewal rate in the state at 7.09%.

What is a loss ratio and what does Virginia's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. Virginia's average loss ratio is 44.0%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in Virginia? ▼

The average claim frequency in Virginia is 3.95%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $16,144. Higher claim frequency and severity typically correlate with higher premiums.

What natural hazards drive risk in Virginia? ▼

Across 124 FEMA National Risk Index counties that join to Virginia ZIP codes in the FIO file, the mean county risk score is 48.0 (31% below the 50-state mean of 69.3). The most common county-level top hazard is Hurricane (36 of 124 counties). Elevated (Relatively High or Very High) county ratings concentrate in Winter weather (7), Flooding (1), Hail (1). NRI scores are county hazard/vulnerability context from FEMA; they are not premiums and are not a quote.

Virginia in the FIO registry

State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.

Virginia ZIP premiums and nonrenewal rates in the same table. ZIP table
National premium board versus the population-floored nonrenewal board. Rankings
How competition ranks and dual boards are derived. Methodology

State figures are five-year ZIP-level averages from U.S. Treasury FIO data, a benchmark, not a quote for any individual home.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Browse all ZIPs → | Rankings → | All states →

Compiled by PlainInsure, Insurance Transparency Editorial Process · May 15, 2026

Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.

Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

Virginia Homeowners Insurance

How Virginia Compares

Data Snapshot: Virginia Homeowners Insurance

Loss Ratio Reading: Virginia

Premium Trends (2018-2022)

Average premium in Virginia, 2018–2022

Most Expensive ZIP Codes in Virginia

Most Affordable ZIP Codes in Virginia

All ZIP Codes in Virginia

Virginia Insurance Guides

Explore More Insurance Data

Natural-hazard context (FEMA NRI)

Nationwide states with similar insurance profiles

Similar average premium

Similar nonrenewal rate

Frequently Asked Questions

Related