Virginia Home InsuranceHome insurance in Virginia
Virginia recorded 1,040 damaging hail events in the last 10 years, and they did not fall evenly. Where you live in the state changes the answer — start with your city.
Start with your city
Hail, flood discounts and the age of the housing all change from one part of Virginia to the next, and those are what move a premium. Each of these covers one city in detail:
| City | County hail, 10 yrs | Flood discount | Typical home built |
|---|---|---|---|
| Alexandria | 1 | Class 6, 20% off | 1974 |
| Chesapeake | 16 | Class 7, 15% off | 1989 |
| Hampton | 11 | Class 7, 15% off | 1974 |
| Newport News | 10 | Class 6, 20% off | 1979 |
| Norfolk | 10 | Class 5, 25% off | 1964 |
| Richmond | 3 | Class 8, 10% off | 1959 |
| Virginia Beach | 13 | Class 6, 20% off | 1984 |
Hail: NOAA Storm Events, events of one inch or larger in the city's county. Flood discount: FEMA Community Rating System. Housing: Census ACS.
Virginia's housing
The typical Virginia home was built in 1984, and the median owner-occupied home is valued at $360,700. 67.2% of occupied homes are lived in by their owners.
Source: US Census Bureau, American Community Survey 2023 5-year.
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