Home Insurance in Hilda, South Carolina
The median home value in Hilda is $64,600, 39% lower than the Barnwell County median.
The typical home in Hilda was built around 1973. About 29% of homes were built before 1960, about 12 points above Barnwell County's 18%. 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 Hilda is 62% single-family homes and 38% mobile or manufactured homes.
In Hilda, about 24% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 89% of occupied homes in Hilda are owner-occupied. The vacancy rate is 19%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 53% of homes in Hilda are primarily heated with electricity.
Barnwell County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Barnwell County had 7 active NFIP flood policies as of September 2026. See the full Barnwell 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 | $64,600 |
|---|---|
| Median year built | 1973 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Barnwell County | 7 |
| 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)