Home Insurance in Jefferson, South Carolina
The median home value in Jefferson is $154,400, 33% higher than the Chesterfield County median.
The typical home in Jefferson was built around 1976. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 22% of homes were built before 1960, about 6 points above Chesterfield County's 16%.
The housing stock in Jefferson is 70% single-family homes, 11% apartments in buildings with 5+ units and 13% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Jefferson, about 39% 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 77% of occupied homes in Jefferson are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 49% of homes in Jefferson are primarily heated with electricity.
Chesterfield County had 19 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Chesterfield 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 | $154,400 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 39% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Chesterfield County | 19 |
| 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)