Home Insurance in Lincolnville, South Carolina
With a median home value of $245,100, Lincolnville is 50% lower than the Charleston County median.
The typical home in Lincolnville was built around 1987. About 8% of homes were built before 1960, about 7 points below Charleston County's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Lincolnville, the housing stock is 54% single-family homes, 4% apartments in buildings with 5+ units and 30% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 38% of owner-occupied homes in Lincolnville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 60% of occupied homes in Lincolnville are owner-occupied.
Most homes in Lincolnville - 74% - are primarily heated with electricity.
FEMA rates Charleston County's overall risk as Relatively High, led by coastal flooding (Very High). Charleston County had 59,025 active NFIP flood policies as of September 2026. See the full Charleston County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in South Carolina carries a statewide average premium of $1,753 per year.
Key figures
| Median home value | $245,100 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 60% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top county hazard | Coastal Flooding (Very High) |
| Active NFIP policies in Charleston County | 59,025 |
| 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)