Home Insurance in North Augusta, South Carolina
Homes in North Augusta carry a median value of $233,600 - 7% higher than the Aiken County median.
The typical home in North Augusta was built around 1988. About 21% of homes were built before 1960, about 4 points above Aiken County's 17%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In North Augusta, the housing stock is 77% single-family homes, 11% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In North Augusta, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 71% of occupied homes in North Augusta are owner-occupied.
59% of homes in North Augusta 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.
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 | $233,600 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 63% |
| 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)