Home Insurance in Abbeville, South Carolina
The median home value in Abbeville is $106,400, 40% lower than the Abbeville County median.
The typical home in Abbeville was built around 1968. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 38% of homes were built before 1960, about 15 points above Abbeville County's 23%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Abbeville is 57% single-family homes, 8% apartments in buildings with 5+ units and 15% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Abbeville, about 37% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in Abbeville are owner-occupied.
In Abbeville, 58% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Abbeville? FEMA's National Risk Index points to earthquake (Relatively Low) in Abbeville County and Abbeville County had 9 active NFIP flood policies as of September 2026. See the full Abbeville County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners policy.
The statewide average premium for a standard HO-3 homeowners policy in South Carolina is $1,753 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $106,400 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top county hazard | Earthquake (Relatively Low) |
| Active NFIP policies in Abbeville County | 9 |
| Home insurance premium | $1,753 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)