Home Insurance in Pageland, South Carolina
Homes in Pageland carry a median value of $186,600 - 61% higher than the Chesterfield County median.
The typical home in Pageland was built around 1976. About 27% of homes were built before 1960, about 11 points above Chesterfield County's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pageland is 65% single-family homes, 5% apartments in buildings with 5+ units and 22% mobile or manufactured homes.
49% of owner-occupied homes in Pageland carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 56% of occupied homes in Pageland are owner-occupied. The vacancy rate is 15%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Pageland, 78% of homes are primarily heated with electricity.
Chesterfield County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Chesterfield County had 19 active NFIP flood policies as of September 2026. 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 | $186,600 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)