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Homeowners insurance cost in Spotsylvania County, Virginia

A transparent county budgeting benchmark—not a carrier quote—with a deliberately wide range.

Estimated annual insurance budget

For a $404,900 home (the county median):

$2,134/yr (budgeting range $1,280–$2,987)

Low confidence State NAIC baseline scaled by replacement cost and county hazard risk.

What drives this estimate

NAIC HO-3 state average
$1,332/yr
FEMA county risk percentile
52.89 (Relatively Low)
Illustrative PITI
$2,421/mo

The NAIC figure is a historical statewide average, scaled for the county median home value. FEMA's National Risk Index supplies a relative county hazard signal; it is not an insurer's underwriting model and does not include property-specific construction, deductible, credit, claims history, flood coverage, or current market repricing.

Local cost context

Spotsylvania County is ranked 75 from highest to lowest effective property-tax rate among 133 published Virginia counties.

Its 0.58% effective tax rate is 0.07 percentage points below the state published-county average of 0.65%.

The county median home value of $404,900 is $146,300 above the Virginia county median of $258,600.

FEMA risk percentile: 52.89 (Relatively Low). This is relative risk context, not an underwriting score.

Similar-rate counties

Common questions about Spotsylvania County insurance costs

How much is homeowners insurance in Spotsylvania County, Virginia?
A planning estimate is $2,134 per year for the county median home value of $404,900. The budgeting range is $1,280 to $2,987 because carrier quotes depend on property-specific underwriting.
Why can the real quote be different from this Spotsylvania County estimate?
The model uses public county and state data, while a carrier uses roof age, construction, deductible, coverage limits, credit, claims history, distance to hazards, and current market pricing. Treat the number as an escrow planning benchmark, not an insurance quote.
What is the combined monthly carrying-cost estimate in Spotsylvania County?
With the page assumptions, monthly PITI is about $2,421. That includes principal and interest, $2,347/yr in estimated property tax, and $2,134/yr in modeled homeowners insurance.

Estimate insurance and total monthly cost

Annual insurance$2,134
Annual property tax$2,347
Monthly P&I$2,047
Estimated monthly total$2,421

Calculations stay in your browser. No values are stored.

Sources, freshness & method

Confidence: Low. Insurance varies materially by home and carrier, so this page uses a ±40% budgeting band rather than false precision.

NAIC baseline as of 2022-12-31; FEMA version 1.20 as of 2025-12-01; data version 2024.1.

Sources: NAIC Homeowners Insurance Report; FEMA National Risk Index. TrueCarry's analysis is not endorsed by FEMA.

Read the insurance and PITI methodology

Insurance disclaimer: Estimate for budgeting only — not an insurance quote and not a binding price. Verify with the county assessor and a licensed professional before making financial decisions.