Homeowners Insurance in Alexandria, VA
For a home at Alexandria's median value of $735,100, we estimate about $2,645 a year — +72% versus the Virginia NAIC average of $1,537.
Estimated homeowners insurance cost in Alexandria
Alexandria's estimate reflects its home values (92% higher than the state median) and FEMA's hazard profile for Alexandria city.
Natural hazard risk in Alexandria
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 57.0 | Comprehensive (car); roof claims (home) | |
| Tornado | 39.9 | Comprehensive; dwelling | |
| Hurricane | 79.1 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 81.8 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 56.0 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 90.1 | Comprehensive; dwelling | |
| Winter weather | 79.8 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 5.7 | Comprehensive; dwelling | |
| Earthquake | 80.0 | Home needs a separate earthquake policy | |
| Lightning | 81.6 | Fire and electrical damage |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated premium by home value in Alexandria
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $935 | $860 |
| $300,000 | $1,290 | $1,190 |
| $500,000 | $1,945 | $1,790 |
| $750,000 | $2,690 | $2,475 |
Home Insurance Estimator
Homeowners insurance by ZIP code in Alexandria
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 22304 | $508,200 | 40.9% | $1,970 |
| 22314 | $899,000 | 46.2% | $3,110 |
| 22311 | $760,300 | 18.5% | $2,720 |
| 22302 | $631,100 | 54.4% | $2,340 |
| 22305 | $864,500 | 34.6% | $3,010 |
| 22301 | $1,027,900 | 56.2% | $3,460 |
Homeowners insurance in Virginia · Car insurance in Alexandria · Insurance offices near Alexandria
Frequently asked questions
How much is homeowners insurance in Alexandria?
For a home at Alexandria's median value of $735,100, we estimate about $2,645 a year for a standard HO-3 policy with a $1,000 deductible. The Virginia NAIC average is $1,537.
What are the biggest natural hazards in Alexandria?
FEMA's National Risk Index rates Alexandria city relatively high or very high for strong wind.
Does the age of homes in Alexandria affect insurance?
Yes. The median home in Alexandria was built in 1974 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.
How we estimate this
We start from the NAIC average homeowners (HO-3) premium for Virginia, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Alexandria city relative to the state. Results are rounded estimates, not quotes. Read the full methodology.
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (July 2026), Tables 4 and 5 (HO-3 and HO-4 average premiums)
- FEMA National Risk Index (Alexandria city)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)