Homeowners Insurance in Virginia Beach, VA
For a home at Virginia Beach's median value of $382,500, we estimate about $1,490 a year — −3% versus the Virginia NAIC average of $1,537.
Estimated homeowners insurance cost in Virginia Beach
Virginia Beach's estimate reflects its home values (about the same as the state median) and FEMA's hazard profile for Virginia Beach city.
Natural hazard risk in Virginia Beach
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 54.7 | Comprehensive (car); roof claims (home) | |
| Tornado | 66.7 | Comprehensive; dwelling | |
| Hurricane | 88.9 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 27.9 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 67.4 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 14.2 | Comprehensive; dwelling | |
| Winter weather | 37.3 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 55.8 | Comprehensive; dwelling | |
| Earthquake | 67.5 | Home needs a separate earthquake policy | |
| Lightning | 86.6 | 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 Virginia Beach
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $890 | $815 |
| $300,000 | $1,230 | $1,130 |
| $500,000 | $1,850 | $1,700 |
| $750,000 | $2,555 | $2,350 |
Home Insurance Estimator
Homeowners insurance by ZIP code in Virginia Beach
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 23464 | $355,800 | 69.2% | $1,410 |
| 23462 | $286,500 | 53.7% | $1,185 |
| 23456 | $474,700 | 88.8% | $1,775 |
| 23452 | $346,600 | 62.7% | $1,380 |
| 23454 | $416,700 | 66.9% | $1,595 |
| 23455 | $418,000 | 61.6% | $1,600 |
| 23451 | $613,600 | 52.5% | $2,175 |
| 23453 | $336,900 | 68.8% | $1,345 |
| 23457 | $571,000 | 86.8% | $2,055 |
Homeowners insurance in Virginia · Car insurance in Virginia Beach · Insurance offices near Virginia Beach
Frequently asked questions
How much is homeowners insurance in Virginia Beach?
For a home at Virginia Beach's median value of $382,500, we estimate about $1,490 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 Virginia Beach?
FEMA's National Risk Index rates Virginia Beach city relatively high or very high for lightning.
Does the age of homes in Virginia Beach affect insurance?
Yes. The median home in Virginia Beach was built in 1984 (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 Virginia Beach 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 (Virginia Beach city)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)