Home Insurance Non-Renewals in Virginia, County by County
0.95 percent of Virginia homeowners policies were not renewed in 2023. Every county in the Senate Budget Committee file, 2018 to 2023, with its policy base.
The state series
| Year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|
| Rate | 0.70% | 0.69% | 0.45% | 0.61% | 0.59% | 0.95% |
One county stands well clear of the rest of the Virginia field. Counting only the 115 counties whose 2023 book held 500 policies or more, Accomack recorded 3.99 percent in 2023 against 0.95 percent for the state, and it sits 1.82 points clear of the next county, Hampton City. Across all 126 counties with a 2023 reading the midpoint is 0.82 percent, a long way under the figures at the top of the column. Ranked by the size of the move since 2018 rather than by the level, it comes 19th of 51. The floor of the series is 0.45 percent in 2020. The rate fell in 2019 and again in 2020 before it turned back up in 2021. The peak is 2023. In 2023, 50 of the 126 counties with a reading that year sat above the state rate. Within that group, top to bottom the 2023 readings cover 3.59 points, with the lowest county at 0.40 percent. In 86 of the 118 counties with a reading in both years, 2023 came in above 2018. One row here, Accomack, is inside the national top 100 counties by 2023 rate, which is ranked only over books of 500 policies or more. A non-renewal in this file means the insurer declined to write the policy for another term. The homeowner did not cancel, and that distinction is the whole reason the committee asked 23 insurers for the count.
Every county in the file
Read the table with the policy count in view. Ranking claims in the text above begin at 500 policies in force for 2023. 11 counties below sit under it and are printed anyway. One non-renewal out of two policies reads as 50 percent, which says something about the denominator and nothing about the market.
| County | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | Policies in force 2023 | Trend |
|---|---|---|---|---|---|---|---|---|
| Petersburg City | not reported | not reported | not reported | not reported | not reported | 50.00% | 2 | no full series |
| Franklin City | not reported | not reported | not reported | not reported | not reported | 28.56% | 7 | no full series |
| Emporia City | not reported | not reported | not reported | not reported | 16.67% | 20.00% | 5 | no full series |
| Charlottesville City | 0.00% | not reported | not reported | not reported | not reported | 16.67% | 18 | up sharply |
| Harrisonburg City | not reported | not reported | not reported | not reported | not reported | 16.67% | 18 | no full series |
| Salem | not reported | not reported | not reported | not reported | not reported | 11.11% | 9 | no full series |
| Waynesboro City | not reported | not reported | not reported | 11.11% | not reported | 11.11% | 18 | no full series |
| Covington City | 20.00% | not reported | not reported | not reported | not reported | 9.99% | 10 | down sharply |
| Colonial Heights City | not reported | not reported | not reported | not reported | not reported | 9.75% | 41 | no full series |
| Accomack | 0.80% | 1.09% | 0.49% | 0.92% | 0.94% | 3.99% | 4,107 | up sharply |
| Hampton City | 1.36% | 0.86% | 0.58% | 0.72% | 0.84% | 2.17% | 19,917 | up sharply |
| Norfolk City | 1.15% | 0.84% | 0.67% | 0.93% | 0.83% | 2.11% | 30,124 | up sharply |
| Albemarle | 0.45% | not reported | 1.37% | not reported | not reported | 2.02% | 99 | up sharply |
| Brunswick | 0.54% | 0.30% | 0.46% | 0.68% | 1.70% | 1.89% | 1,744 | up sharply |
| Smyth | 0.84% | 1.06% | 0.66% | 1.12% | 1.22% | 1.86% | 3,388 | up sharply |
| Northampton | 0.95% | 0.43% | 0.49% | 1.36% | 0.62% | 1.81% | 1,654 | up sharply |
| Dinwiddie | 1.16% | 1.48% | 0.74% | 1.37% | 1.19% | 1.75% | 7,660 | up sharply |
| Virginia Beach City | 0.69% | 0.50% | 0.54% | 1.07% | 0.52% | 1.73% | 63,256 | up sharply |
| Scott | 0.43% | 0.59% | 0.73% | 0.61% | 1.34% | 1.48% | 2,371 | up sharply |
| Pittsylvania | 0.79% | 1.24% | 0.59% | 0.94% | 0.88% | 1.46% | 11,192 | up sharply |
| Nottoway | 1.07% | 1.54% | 0.61% | 1.27% | 1.68% | 1.42% | 1,620 | up |
| Greensville | 1.20% | 1.04% | 0.85% | 0.97% | 1.44% | 1.41% | 1,563 | up |
| Mathews | 0.86% | 0.48% | 0.32% | 0.87% | 1.07% | 1.31% | 1,915 | up |
| Page | 0.77% | 0.56% | 0.24% | 0.53% | 0.67% | 1.31% | 2,589 | up sharply |
| Lunenburg | 1.14% | 0.88% | 0.56% | 1.41% | 1.56% | 1.30% | 1,611 | up |
| Buena Vista City | 0.70% | 0.83% | 0.91% | 0.90% | 0.55% | 1.25% | 879 | up sharply |
| Surry | 1.08% | 1.23% | 0.95% | 0.47% | 0.92% | 1.24% | 1,046 | up |
| Halifax | 0.68% | 1.42% | 0.29% | 0.93% | 1.13% | 1.21% | 3,955 | up sharply |
| Campbell | 0.61% | 0.78% | 0.75% | 0.69% | 0.83% | 1.20% | 6,657 | up sharply |
| Newport News City | 0.86% | 0.81% | 0.59% | 0.80% | 0.65% | 1.20% | 22,520 | up |
| Prince Edward | 0.71% | 0.85% | 0.63% | 1.50% | 0.68% | 1.19% | 1,427 | up |
| Henrico | 0.87% | 0.84% | 0.51% | 0.78% | 0.69% | 1.18% | 47,795 | up |
| Sussex | 0.91% | 1.15% | 0.68% | 0.97% | 0.97% | 1.18% | 1,014 | up |
| Warren | 0.67% | 0.61% | 0.45% | 0.64% | 0.51% | 1.16% | 6,060 | up |
| Prince George | 1.02% | 0.96% | 0.70% | 0.95% | 0.94% | 1.15% | 8,360 | up |
| Richmond | 1.24% | 1.49% | 0.34% | 0.66% | 0.75% | 1.12% | 894 | down |
| Tazewell | 0.79% | 0.78% | 0.60% | 0.87% | 0.92% | 1.12% | 5,251 | up |
| Amherst | 0.94% | 0.75% | 0.45% | 0.52% | 0.67% | 1.10% | 4,264 | up |
| Charlotte | 0.95% | 1.51% | 0.40% | 1.30% | 0.68% | 1.10% | 1,275 | up |
| Roanoke City | 1.02% | 1.01% | 0.51% | 0.76% | 0.87% | 1.10% | 6,619 | flat |
| Washington | 0.53% | 0.58% | 0.45% | 0.75% | 0.94% | 1.10% | 7,059 | up sharply |
| Lancaster | 0.93% | 0.83% | 0.94% | 1.14% | 0.84% | 1.09% | 2,387 | up |
| Wythe | 0.66% | 0.89% | 0.50% | 0.94% | 1.23% | 1.09% | 3,111 | up |
| Henry | 0.88% | 0.67% | 0.55% | 1.08% | 0.98% | 1.06% | 9,229 | up |
| Lee | 0.72% | 1.25% | 0.58% | 1.25% | 1.50% | 1.05% | 1,721 | up |
| Westmoreland | 0.89% | 0.82% | 0.66% | 0.54% | 0.99% | 1.04% | 3,840 | up |
| Rappahannock | 0.95% | 0.67% | 0.49% | 0.54% | 0.64% | 1.02% | 1,766 | flat |
| Grayson | 0.69% | 0.73% | 0.30% | 0.59% | 0.92% | 1.00% | 2,401 | up |
| Carroll | 0.56% | 0.71% | 0.15% | 1.08% | 0.65% | 0.98% | 3,464 | up |
| James City | 0.44% | 1.08% | 0.46% | 0.57% | 0.59% | 0.98% | 4,180 | up sharply |
| Charles City | 1.18% | 0.85% | 0.64% | 1.26% | 1.45% | 0.95% | 946 | down |
| Northumberland | 0.69% | 0.74% | 0.56% | 0.83% | 0.56% | 0.95% | 3,276 | up |
| Fredericksburg City | 0.46% | 0.84% | 0.39% | 0.46% | 0.35% | 0.94% | 2,230 | up |
| Richmond City | 0.84% | 0.85% | 0.52% | 0.69% | 0.74% | 0.94% | 13,207 | flat |
| Caroline | 0.90% | 1.06% | 0.53% | 0.87% | 0.78% | 0.93% | 5,035 | flat |
| Chesterfield | 0.68% | 0.60% | 0.42% | 0.55% | 0.55% | 0.92% | 61,827 | up |
| Prince William | 0.72% | 0.88% | 0.47% | 0.48% | 0.54% | 0.90% | 69,272 | up |
| Russell | 0.50% | 0.92% | 0.45% | 0.63% | 1.09% | 0.90% | 3,125 | up |
| Suffolk City | 0.99% | 0.63% | 0.63% | 0.65% | 0.69% | 0.90% | 13,873 | flat |
| Cumberland | 0.80% | 1.20% | 0.72% | 0.70% | 0.81% | 0.89% | 2,014 | flat |
| Buckingham | 0.88% | 0.53% | 0.45% | 0.87% | 0.92% | 0.88% | 1,584 | flat |
| Southampton | 1.02% | 0.94% | 0.33% | 0.74% | 0.69% | 0.86% | 3,847 | down |
| Mecklenburg | 0.69% | 0.57% | 0.30% | 0.69% | 0.81% | 0.82% | 5,336 | up |
| Wise | 0.71% | 0.63% | 0.40% | 0.90% | 1.35% | 0.82% | 5,217 | up |
| Buchanan | 1.47% | 1.54% | 0.68% | 0.81% | 0.96% | 0.81% | 2,604 | down sharply |
| Bland | 0.92% | 1.19% | 0.54% | 0.80% | 1.03% | 0.80% | 749 | down |
| Portsmouth City | 1.05% | 1.02% | 0.57% | 0.85% | 0.71% | 0.80% | 12,620 | down |
| Shenandoah | 0.64% | 0.63% | 0.47% | 0.57% | 0.62% | 0.80% | 5,642 | up |
| Stafford | 0.85% | 0.83% | 0.44% | 0.44% | 0.52% | 0.80% | 21,816 | flat |
| Louisa | 0.68% | 0.73% | 0.36% | 0.45% | 0.76% | 0.79% | 7,824 | up |
| Amelia | 0.95% | 1.02% | 0.50% | 0.88% | 0.81% | 0.78% | 1,785 | down |
| Fairfax | 0.57% | 0.62% | 0.44% | 0.48% | 0.47% | 0.78% | 157,523 | up |
| Pulaski | 0.65% | 0.46% | 0.45% | 0.65% | 0.76% | 0.78% | 4,864 | up |
| Spotsylvania | 0.67% | 0.72% | 0.44% | 0.44% | 0.47% | 0.78% | 21,593 | up |
| Botetourt | 0.42% | 0.44% | 0.30% | 0.48% | 0.62% | 0.77% | 4,132 | up |
| Middlesex | 0.42% | 0.54% | 0.58% | 0.69% | 0.27% | 0.77% | 2,725 | up |
| Giles | 0.53% | 0.81% | 0.39% | 0.86% | 0.75% | 0.76% | 2,235 | up |
| Orange | 0.58% | 0.59% | 0.41% | 0.67% | 0.63% | 0.76% | 6,279 | up |
| Alexandria City | 0.63% | 0.61% | 0.36% | 0.53% | 0.44% | 0.75% | 10,182 | up |
| Culpeper | 0.78% | 0.72% | 0.32% | 0.45% | 0.52% | 0.75% | 6,699 | flat |
| Rockbridge | 0.88% | 0.67% | 1.03% | 0.95% | 0.56% | 0.75% | 2,924 | down |
| Arlington | 0.49% | 0.57% | 0.38% | 0.52% | 0.48% | 0.74% | 18,475 | up |
| Bristol City | 0.73% | 0.92% | 0.72% | 1.12% | 1.24% | 0.74% | 1,892 | flat |
| Madison | 0.23% | 0.50% | 0.18% | 0.44% | 0.82% | 0.74% | 2,165 | up sharply |
| Augusta | 0.75% | 0.89% | 0.31% | 0.44% | 0.50% | 0.73% | 11,730 | flat |
| Nelson | 0.41% | 0.77% | 0.27% | 0.74% | 0.38% | 0.73% | 3,297 | up |
| Charlottesville City / Albemarle | not reported | 0.33% | 0.28% | 0.41% | 0.35% | 0.72% | 19,787 | no full series |
| Craig | 0.89% | 0.65% | 0.65% | 1.06% | 1.20% | 0.72% | 695 | down |
| Essex | 0.93% | 0.31% | 0.67% | 0.58% | 0.91% | 0.72% | 1,388 | down |
| King George | 0.94% | 0.95% | 0.39% | 0.50% | 0.41% | 0.72% | 4,001 | down |
| Poquoson City | 0.66% | 0.66% | 0.44% | 0.77% | 0.33% | 0.72% | 1,943 | flat |
| Roanoke | 0.55% | 0.63% | 0.33% | 0.41% | 0.57% | 0.72% | 25,304 | up |
| Bedford | 0.60% | 0.56% | 0.31% | 0.47% | 0.52% | 0.71% | 18,257 | up |
| Fauquier | 0.52% | 0.49% | 0.33% | 0.47% | 0.60% | 0.71% | 11,942 | up |
| Powhatan | 0.54% | 0.39% | 0.25% | 0.37% | 0.48% | 0.71% | 4,650 | up |
| Gloucester | 0.50% | 0.71% | 0.26% | 0.43% | 0.48% | 0.70% | 7,993 | up |
| Floyd | 0.79% | 0.42% | 0.16% | 0.73% | 0.75% | 0.69% | 1,739 | down |
| Franklin | 0.58% | 0.58% | 0.27% | 0.40% | 0.44% | 0.68% | 8,041 | up |
| Dickenson | 0.68% | 1.14% | 0.61% | 1.34% | 1.00% | 0.67% | 1,778 | flat |
| Goochland | 0.41% | 0.43% | 0.24% | 0.34% | 0.50% | 0.67% | 6,589 | up |
| Clarke | 0.58% | 0.74% | 0.29% | 0.64% | 0.28% | 0.66% | 2,737 | flat |
| Greene | 0.52% | 0.61% | 0.23% | 0.51% | 0.57% | 0.66% | 3,026 | up |
| Isle of Wight | 0.47% | 0.60% | 0.34% | 0.64% | 0.33% | 0.65% | 6,020 | up |
| Montgomery | 0.55% | 0.29% | 0.23% | 0.33% | 0.33% | 0.65% | 10,598 | flat |
| Loudoun | 0.53% | 0.52% | 0.37% | 0.40% | 0.40% | 0.63% | 65,239 | flat |
| Frederick | 0.48% | 0.52% | 0.34% | 0.33% | 0.49% | 0.62% | 14,627 | up |
| York | 0.50% | 0.47% | 0.29% | 0.41% | 0.39% | 0.62% | 15,959 | up |
| Bath | 0.24% | 0.96% | 0.37% | 0.72% | 0.58% | 0.60% | 835 | up |
| Hanover | 0.57% | 0.51% | 0.34% | 0.42% | 0.52% | 0.60% | 23,896 | flat |
| Chesapeake City | 0.74% | 0.64% | 0.43% | 0.57% | 0.49% | 0.57% | 33,175 | down |
| Lynchburg City | 0.65% | 0.77% | 0.37% | 0.49% | 0.45% | 0.56% | 6,078 | flat |
| New Kent | 0.50% | 0.50% | 0.28% | 0.49% | 0.43% | 0.56% | 5,761 | flat |
| Fluvanna | 0.62% | 0.47% | 0.31% | 0.43% | 0.55% | 0.55% | 6,005 | flat |
| Manassas City | 0.88% | 1.19% | 0.38% | 0.48% | 0.48% | 0.55% | 5,293 | down |
| Rockingham | 0.73% | 0.73% | 0.38% | 0.46% | 0.31% | 0.53% | 10,388 | down |
| Winchester City | 0.49% | 0.49% | 0.69% | 0.36% | 0.46% | 0.52% | 2,491 | flat |
| Patrick | 0.61% | 0.56% | 0.51% | 0.72% | 0.61% | 0.48% | 2,698 | down |
| Appomattox | 0.54% | 0.71% | 0.39% | 0.46% | 0.21% | 0.47% | 2,352 | flat |
| Falls Church City | 0.41% | 0.50% | 0.18% | 0.32% | 0.37% | 0.47% | 2,145 | flat |
| Alleghany | 1.14% | 1.07% | 0.65% | 0.56% | 0.98% | 0.45% | 2,235 | down sharply |
| King William | 0.72% | 0.74% | 0.54% | 0.59% | 0.51% | 0.45% | 2,900 | down |
| Williamsburg City | 0.47% | 0.50% | 0.34% | 0.53% | 0.49% | 0.44% | 5,461 | flat |
| King and Queen | 0.69% | 1.30% | 0.43% | 0.76% | 1.39% | 0.43% | 1,168 | down |
| Radford City | 0.57% | 0.57% | 0.28% | 0.51% | 0.51% | 0.41% | 1,722 | down |
| Staunton City | 0.85% | 1.14% | 0.44% | 0.48% | 0.38% | 0.40% | 3,795 | down |
| Highland | 0.00% | 0.00% | 0.00% | 0.70% | 1.38% | 0.37% | 273 | up |
| Fairfax City | not reported | not reported | 12.51% | 12.51% | 9.99% | not reported | not reported | no full series |
| Galax City | not reported | not reported | not reported | 11.11% | not reported | not reported | not reported | no full series |
| Lexington City | not reported | not reported | not reported | not reported | 16.67% | not reported | not reported | no full series |
| Manassas Park City | not reported | 15.82% | not reported | not reported | not reported | not reported | not reported | no full series |
| Martinsville City | not reported | not reported | not reported | not reported | 11.74% | not reported | not reported | no full series |
Data last updated , the committee’s release date. Download the full county file as CSV, policy bases included.
The notice window
Before an insurer in Virginia can end a policy at its term it must give notice at least 30 days before the termination date, under Virginia Code section 38.2-2114.
Sources
Every figure on this page comes from the record below.
- Senate Budget Committee, county-level homeowners insurance non-renewal dataset, 2018 to 2023, released December 2024. Committee release. Machine-readable copy: dataset mirror.
- Coverage: 23 insurers, about two thirds of the United States homeowners market, 249 million policy records over the six years.