Home Insurance in Dillon County, South Carolina
Homes in Dillon County carry a median value of $85,400 - 67% lower than the South Carolina median.
The typical home in Dillon County was built around 1984. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 16% of homes were built before 1960, about 3 points above South Carolina's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Dillon County is 55% single-family homes, 4% apartments in buildings with 5+ units and 37% mobile or manufactured homes.
About 31% of owner-occupied homes in Dillon County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Dillon County has an owner-occupancy rate of 65% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
In Dillon County, 90% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively High), strong wind (Relatively High) and earthquake (Relatively Low) as the leading hazards for Dillon County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Dillon County has 101 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $85,400 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Strong Wind (Relatively High), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 101 |
| Home insurance premium | $1,753 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)