Home Insurance in Fairfax, South Carolina
The median home value in Fairfax is $63,000, 17% lower than the Allendale County median.
The typical home in Fairfax was built around 1979. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 16% of homes were built before 1960, about 8 points below Allendale County's 24%.
In Fairfax, the housing stock is 70% single-family homes, 7% apartments in buildings with 5+ units and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Fairfax, about 13% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in Fairfax are owner-occupied.
In Fairfax, 69% of homes are primarily heated with electricity.
Allendale County had 5 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Allendale 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 | $63,000 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 13% |
| 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)