Home insurance nonrenewals in Virginia, 2018 to 2023

Insurers in the Senate Budget Committee's data nonrenewed 11,048 homeowners policies in Virginia in 2023, a rate of 0.95%, against 0.70% in 2018 and 1.06% nationally in 2023.

Homeowners nonrenewals in Virginia by year (insurers in the Senate data)

Statewide

Year	Nonrenewals	Policies in force	Rate	US rate
2023	11,048	1,163,641	0.95%	1.06%
2022	7,186	1,215,947	0.59%	0.83%
2021	7,318	1,199,858	0.61%	0.68%
2020	5,266	1,177,335	0.45%	0.53%
2019	8,022	1,159,213	0.69%	0.68%
2018	7,962	1,138,914	0.70%	0.80%

By county, 2023

Sorted by nonrenewal rate. Small counties can show high rates from few policies.

County	Nonrenewals	Policies in force	Rate	2018 rate
Accomack	164	4,107	3.99%	0.80%
Hampton City	433	19,917	2.17%	1.36%
Norfolk City	635	30,124	2.11%	1.15%
Brunswick	33	1,744	1.89%	0.54%
Smyth	63	3,388	1.86%	0.84%
Northampton	30	1,654	1.81%	0.95%
Dinwiddie	134	7,660	1.75%	1.16%
Virginia Beach City	1,093	63,256	1.73%	0.69%
Scott	35	2,371	1.48%	0.43%
Pittsylvania	163	11,192	1.46%	0.79%
Nottoway	23	1,620	1.42%	1.07%
Greensville	22	1,563	1.41%	1.20%
Page	34	2,589	1.31%	0.77%
Mathews	25	1,915	1.31%	0.86%
Lunenburg	21	1,611	1.30%	1.14%
Buena Vista City	11	879	1.25%	0.70%
Surry	13	1,046	1.24%	1.08%
Halifax	48	3,955	1.21%	0.68%
Newport News City	271	22,520	1.20%	0.86%
Campbell	80	6,657	1.20%	0.61%
Prince Edward	17	1,427	1.19%	0.71%
Sussex	12	1,014	1.18%	0.91%
Henrico	565	47,795	1.18%	0.87%
Warren	70	6,060	1.16%	0.67%
Prince George	96	8,360	1.15%	1.02%
Tazewell	59	5,251	1.12%	0.79%
Richmond	10	894	1.12%	1.24%
Washington	78	7,059	1.10%	0.53%
Roanoke City	73	6,619	1.10%	1.02%
Amherst	47	4,264	1.10%	0.94%
Charlotte	14	1,275	1.10%	0.95%
Wythe	34	3,111	1.09%	0.66%
Lancaster	26	2,387	1.09%	0.93%
Henry	98	9,229	1.06%	0.88%
Lee	18	1,721	1.05%	0.72%
Westmoreland	40	3,840	1.04%	0.89%
Rappahannock	18	1,766	1.02%	0.95%
Grayson	24	2,401	1.00%	0.69%
Carroll	34	3,464	0.98%	0.56%
James City	41	4,180	0.98%	0.44%
Charles City	9	946	0.95%	1.18%
Northumberland	31	3,276	0.95%	0.69%
Fredericksburg City	21	2,230	0.94%	0.46%
Richmond City	124	13,207	0.94%	0.84%
Caroline	47	5,035	0.93%	0.90%
Chesterfield	567	61,827	0.92%	0.68%
Suffolk City	125	13,873	0.90%	0.99%
Prince William	623	69,272	0.90%	0.72%
Russell	28	3,125	0.90%	0.50%
Cumberland	18	2,014	0.89%	0.80%
Buckingham	14	1,584	0.88%	0.88%
Southampton	33	3,847	0.86%	1.02%
Mecklenburg	44	5,336	0.82%	0.69%
Wise	43	5,217	0.82%	0.71%
Buchanan	21	2,604	0.81%	1.47%
Stafford	175	21,816	0.80%	0.85%
Bland	6	749	0.80%	0.92%
Portsmouth City	101	12,620	0.80%	1.05%
Shenandoah	45	5,642	0.80%	0.64%
Louisa	62	7,824	0.79%	0.68%
Amelia	14	1,785	0.78%	0.95%
Pulaski	38	4,864	0.78%	0.65%
Fairfax	1,226	157,523	0.78%	0.57%
Spotsylvania	168	21,593	0.78%	0.67%
Botetourt	32	4,132	0.77%	0.42%
Middlesex	21	2,725	0.77%	0.42%
Orange	48	6,279	0.76%	0.58%
Giles	17	2,235	0.76%	0.53%
Rockbridge	22	2,924	0.75%	0.88%
Alexandria City	76	10,182	0.75%	0.63%
Culpeper	50	6,699	0.75%	0.78%
Bristol City	14	1,892	0.74%	0.73%
Madison	16	2,165	0.74%	0.23%
Arlington	136	18,475	0.74%	0.49%
Augusta	86	11,730	0.73%	0.75%
Nelson	24	3,297	0.73%	0.41%
King George	29	4,001	0.72%	0.94%
Charlottesville City / Albemarle	143	19,787	0.72%
Poquoson City	14	1,943	0.72%	0.66%
Essex	10	1,388	0.72%	0.93%
Craig	5	695	0.72%	0.89%
Roanoke	181	25,304	0.72%	0.55%
Fauquier	85	11,942	0.71%	0.52%
Powhatan	33	4,650	0.71%	0.54%
Bedford	129	18,257	0.71%	0.60%
Gloucester	56	7,993	0.70%	0.50%
Floyd	12	1,739	0.69%	0.79%
Franklin	55	8,041	0.68%	0.58%
Dickenson	12	1,778	0.67%	0.68%
Goochland	44	6,589	0.67%	0.41%
Greene	20	3,026	0.66%	0.52%
Clarke	18	2,737	0.66%	0.58%
Montgomery	69	10,598	0.65%	0.55%
Isle of Wight	39	6,020	0.65%	0.47%
Loudoun	413	65,239	0.63%	0.53%
York	99	15,959	0.62%	0.50%
Frederick	90	14,627	0.62%	0.48%
Bath	5	835	0.60%	0.24%
Hanover	143	23,896	0.60%	0.57%
Chesapeake City	189	33,175	0.57%	0.74%
Lynchburg City	34	6,078	0.56%	0.65%
New Kent	32	5,761	0.56%	0.50%
Fluvanna	33	6,005	0.55%	0.62%
Manassas City	29	5,293	0.55%	0.88%
Rockingham	55	10,388	0.53%	0.73%
Winchester City	13	2,491	0.52%	0.49%
Patrick	13	2,698	0.48%	0.61%
Appomattox	11	2,352	0.47%	0.54%
Falls Church City	10	2,145	0.47%	0.41%
King William	13	2,900	0.45%	0.72%
Alleghany	10	2,235	0.45%	1.14%
Williamsburg City	24	5,461	0.44%	0.47%
King and Queen	5	1,168	0.43%	0.69%
Radford City	7	1,722	0.41%	0.57%
Staunton City	15	3,795	0.40%	0.85%
Highland	1	273	0.37%	0.00%

About this nonrenewal data. The Senate Budget Committee collected it from 23 large insurers, which it says cover about 65% of the US homeowners market. It is not the whole market. A nonrenewal is the insurer choosing not to renew. The rate is nonrenewals divided by policies in force (nonrenewals plus policies at year end), as the committee calculated it. Some small counties are grouped, and some policy counts are fractional in the source. In a few rows the committee's policies-in-force figure differs slightly from that sum, and we show it as published. We leave out rows with fewer than 100 policies in force, which in this file are almost always fragments of misspelled or regrouped county names.

Sources

US Senate Budget Committee, Homeowners insurance nonrenewal data by county, 2018 to 2023 (December 2024 release)
Zenodo (archived copy of the Senate Budget Committee spreadsheet, record 14829684), 2024_homeowners_insurance_non-renewal_data_senate_budget_committee.xlsx, the file used here
US Senate Budget Committee, Next to Fall: The Climate-Driven Insurance Crisis Is Here, and Getting Worse (report, December 2024)

Checked 29 October 2026. Figures are reproduced as published and are not adjusted.