Home Insurance in Donalds, South Carolina
Homes in Donalds carry a median value of $106,900 - 40% lower than the Abbeville County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Donalds was built around 1956. About 64% of homes were built before 1960, about 40 points above Abbeville County's 23%.
The housing stock in Donalds is 70% single-family homes, 13% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 54% of owner-occupied homes in Donalds have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Donalds has an owner-occupancy rate of 67% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Donalds, 51% of homes are primarily heated with electricity.
FEMA rates Abbeville County's overall risk as Relatively Low, led by earthquake (Relatively Low). 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 | $106,900 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 54% |
| 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)