Home Insurance in Lowrys, South Carolina
Homes in Lowrys carry a median value of $197,500 - 25% higher than the Chester County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lowrys was built around 1977. About 27% of homes were built before 1960, about 1 point above Chester County's 26%.
In Lowrys, the housing stock is 94% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
48% of owner-occupied homes in Lowrys carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lowrys has an owner-occupancy rate of 88% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
55% of homes in Lowrys 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 | $197,500 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Chester County | 22 |
| 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)