Home Insurance in Paxville, South Carolina
The median home value in Paxville is $133,900, 15% lower than the Clarendon County median.
The typical home in Paxville was built around 1984. About 11% of homes were built before 1960, about 2 points above Clarendon County's 9%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Paxville is 60% single-family homes, 3% apartments in buildings with 5+ units and 16% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in Paxville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Paxville has an owner-occupancy rate of 63% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
84% of homes in Paxville 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.
Clarendon County had 80 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). See the full Clarendon 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 | $133,900 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Clarendon County | 80 |
| 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)