Home Insurance in Edgefield County, South Carolina
With a median home value of $202,700, Edgefield County is 22% lower than the South Carolina median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Edgefield County was built around 1988. About 14% of homes were built before 1960, about 2 points above South Carolina's 12%.
The housing stock in Edgefield County is 69% single-family homes, 4% apartments in buildings with 5+ units and 25% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 48% of owner-occupied homes in Edgefield County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Edgefield County has an owner-occupancy rate of 80% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
73% of homes in Edgefield County 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.
The top hazards for Edgefield County, per FEMA's National Risk Index, are hurricane (Relatively Low), earthquake (Relatively Low) and wildfire (Very Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Edgefield County has 33 active NFIP flood policies on file.
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 | $202,700 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Earthquake (Relatively Low), Wildfire (Very Low) |
| Active NFIP flood policies (county) | 33 |
| 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)