Norfolk, VA

12 ZIP codes — Virginia

Compare quotes in Norfolk, VA

See rates from top carriers

Avg Premium (2025 Est.)

$2,143

+10.7% from 2022

Stress Score

70/100

Nonrenewal Rate

4.42%

Insurance/Income

3.1%

ZIP Codes in Norfolk

ZIP	Avg Premium	Stress Score	Risk
23507	$2,849	74	High
23510	$2,821	74	High
23508	$2,048	73	High
23517	$2,115	73	High
23503	$1,750	71	High
23505	$1,869	70	High
23509	$1,684	69	High
23518	$1,774	69	High
23523	$1,542	69	High
23502	$1,607	68	High
23504	$1,658	66	High
23513	$1,500	66	High

Data Sources & Methodology

Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.

2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.