Home Insurance in Patrick, South Carolina
Homes in Patrick carry a median value of $51,900 - 55% lower than the Chesterfield County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Patrick was built around 1967. About 31% of homes were built before 1960, about 15 points above Chesterfield County's 16%.
The housing stock in Patrick is 66% single-family homes, 4% apartments in buildings with 5+ units and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 21% of owner-occupied homes in Patrick have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Patrick has an owner-occupancy rate of 80% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Patrick - 75% - 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 rates Chesterfield County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in South Carolina carries a statewide average premium of $1,753 per year.
Key figures
| Median home value | $51,900 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 21% |
| 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)