Home Insurance in Chesterfield County, South Carolina
With a median home value of $116,200, Chesterfield County is 55% lower than the South Carolina median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Chesterfield County was built around 1986. About 16% of homes were built before 1960, about 3 points above South Carolina's 12%.
The housing stock in Chesterfield County is 55% single-family homes, 3% apartments in buildings with 5+ units and 38% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
39% of owner-occupied homes in Chesterfield County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Chesterfield County has an owner-occupancy rate of 73% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
81% of homes in Chesterfield County are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA's National Risk Index lists hurricane (Relatively Moderate), strong wind (Relatively High) and tornado (Relatively Moderate) as the leading hazards for Chesterfield County.
Chesterfield County had 19 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $116,200 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Strong Wind (Relatively High), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 19 |
| Home insurance premium | $1,753 - statewide average (NAIC, 2023 data) |
Towns and cities
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)