Home Insurance in Allendale, South Carolina
With a median home value of $86,500, Allendale is 14% higher than the Allendale County median.
The typical home in Allendale was built around 1974. About 27% of homes were built before 1960, about 3 points above Allendale County's 24%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Allendale is 67% single-family homes, 7% apartments in buildings with 5+ units and 20% mobile or manufactured homes.
In Allendale, about 47% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Allendale has an owner-occupancy rate of 57% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
In Allendale, 74% of homes are primarily heated with electricity.
FEMA rates Allendale County's overall risk as Very Low, led by hurricane (Relatively Moderate). Allendale County had 5 active NFIP flood policies as of September 2026. See the full Allendale 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 | $86,500 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 47% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Allendale County | 5 |
| 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)