Homeowners Insurance in Fredericksburg, VA

For a home at Fredericksburg's median value of $483,700, we estimate about $1,520 a year — −1% versus the Virginia NAIC average of $1,537.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Fredericksburg

Est. premium

$1,520

$127/mo · median home

Median home value

$483,700

Virginia: $383,700

Median year built

1986

Census ACS

Owner-occupied

39.7%

of households

Hazard score

31.4

state ref. 61.2

Fredericksburg's estimate reflects its home values (26% higher than the state median) and FEMA's hazard profile for Fredericksburg city.

Natural hazard risk in Fredericksburg

FEMA National Risk Index — Fredericksburg city
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Very Low	20.8	Comprehensive (car); roof claims (home)
Tornado	Very Low	21.0	Comprehensive; dwelling
Hurricane	Very Low	57.9	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Very Low	20.6	Comprehensive; home needs a separate flood policy
Coastal flooding	Very Low	17.0	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Low	36.4	Comprehensive; dwelling
Winter weather	Very Low	20.0	Collision (icy roads); frozen pipes (home)
Wildfire	Very Low	1.8	Comprehensive; dwelling
Earthquake	Very Low	57.5	Home needs a separate earthquake policy
Lightning	Relatively Moderate	61.1	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 Fredericksburg

Dwelling value	Wood frame	Brick / masonry
$200,000	$750	$690
$300,000	$1,035	$955
$500,000	$1,560	$1,435
$750,000	$2,155	$1,985

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance in Virginia · Car insurance in Fredericksburg · Insurance offices near Fredericksburg

Frequently asked questions

How much is homeowners insurance in Fredericksburg?

For a home at Fredericksburg's median value of $483,700, we estimate about $1,520 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 Fredericksburg?

FEMA's National Risk Index does not rate Fredericksburg city as relatively high for any single hazard.

Does the age of homes in Fredericksburg affect insurance?

Yes. The median home in Fredericksburg was built in 1986 (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 Fredericksburg city relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page