Home Insurance in Lowndesville, South Carolina
The typical home in Lowndesville was built around 1967. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 36% of homes were built before 1960, about 12 points above Abbeville County's 23%.
In Lowndesville, the housing stock is 48% single-family homes and 17% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
8% of owner-occupied homes in Lowndesville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lowndesville has an owner-occupancy rate of 59% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Lowndesville, 56% of homes are primarily heated with natural gas.
Abbeville County's top FEMA-rated hazard is earthquake (Relatively Low), per FEMA's National Risk Index. 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.
In South Carolina, the statewide average premium for a standard HO-3 homeowners policy is $1,753 per year (NAIC, 2023 data).
Key figures
| Median year built | 1967 |
|---|---|
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 8% |
| 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)