Home Insurance in New Ellenton, South Carolina
The median home value in New Ellenton is $174,200, 20% lower than the Aiken County median.
The typical home in New Ellenton was built around 1972. About 28% of homes were built before 1960, about 10 points above Aiken County's 17%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in New Ellenton is 87% single-family homes and 9% mobile or manufactured homes.
About 47% of owner-occupied homes in New Ellenton have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 73% of occupied homes in New Ellenton are owner-occupied. The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In New Ellenton, 62% of homes are primarily heated with electricity.
Aiken County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Aiken County had 517 active NFIP flood policies as of September 2026. See the full Aiken County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $174,200 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Aiken County | 517 |
| 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)