HomeInsuranceQts

Home Insurance in Chester, South Carolina

With a median home value of $123,000, Chester is 22% lower than the Chester County median.

The typical home in Chester was built around 1962. About 47% of homes were built before 1960, about 22 points above Chester County's 26%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.

In Chester, the housing stock is 73% single-family homes, 7% apartments in buildings with 5+ units and 7% 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.

In Chester, about 40% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 59% of occupied homes in Chester are owner-occupied.

In Chester, 52% of homes are primarily heated with natural gas.

FEMA rates Chester County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Chester County had 22 active NFIP flood policies as of September 2026. See the full Chester 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$123,000
Median year built1962
Owner-occupied share59%
Share of owner-occupied homes with a mortgage40%
Top county hazardTornado (Relatively Moderate)
Active NFIP policies in Chester County22
Home insurance premium$1,753 - statewide average (NAIC, 2023 data)
Key home insurance figures for Chester, SC

Nearby towns

Sources

Data last updated: 2026-09-29