Home Insurance in Aiken County, South Carolina
With a median home value of $218,000, Aiken County is 16% lower than the South Carolina median.
The typical home in Aiken County was built around 1989. About 17% of homes were built before 1960, about 5 points above South Carolina's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Aiken County, the housing stock is 71% single-family homes, 6% apartments in buildings with 5+ units and 18% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 53% of owner-occupied homes in Aiken County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Aiken County has an owner-occupancy rate of 77% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
In Aiken County, 64% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Aiken County's top hazards are hurricane (Relatively Moderate), earthquake (Relatively Low) and tornado (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Aiken County has 517 active NFIP flood policies on file.
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 home value | $218,000 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 53% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Earthquake (Relatively Low), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 517 |
| Home insurance premium | $1,753 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)