Home Insurance in Lodge, South Carolina
Homes in Lodge carry a median value of $59,100 - 64% lower than the Colleton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lodge was built around 1975. About 30% of homes were built before 1960, about 17 points above Colleton County's 14%.
The housing stock in Lodge is 74% single-family homes and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 12% of owner-occupied homes in Lodge have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Lodge has an owner-occupancy rate of 91% and a vacancy rate of 37%; unoccupied homes typically need a different coverage form.
Most homes in Lodge - 54% - 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 Colleton County's overall risk as Relatively Moderate, led by hurricane (Relatively High). Colleton County had 1,877 active NFIP flood policies as of September 2026. See the full Colleton 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 | $59,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 12% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Colleton County | 1,877 |
| 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)