Assuming no magnetic media, the velocity factor for a transmission line of constant cross section depends on the average dielectric constant experienced by the electric fields generated by the wires. If the dielectric is also uniform and isotropic this is easy, if the dielectric is non-uniform (such as an insulated wire surrounded by air) then the computation is more complicated and also frequency dependent: the transmission line will have dispersion. However, the low frequency limit is easily calculated and is usually good enough.
There are free tools available that can calculate this and for simple geometries or coarse approximations you can do it yourself pretty easily.
At very low frequency you also have to take into account the non-zero skin depth in the wires. This will also cause dispersion, but is normally neglected as few systems care about or can measure the velocity factor at 100 kHz, so this is often neglected as well.
In the cases you described, it sounds like X1-X4 have mostly thin insulation so a lot of the electric field is in air. Thus it is expected that the velocity factor is close to 1. For X5, the electric field is mostly in water, so the velocity factor is lower.