Home Insurance in Johnston, South Carolina
With a median home value of $106,600, Johnston is 47% lower than the Edgefield County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Johnston was built around 1967. About 37% of homes were built before 1960, about 23 points above Edgefield County's 14%.
In Johnston, the housing stock is 77% single-family homes, 19% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
40% of owner-occupied homes in Johnston carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Johnston has an owner-occupancy rate of 63% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
In Johnston, 67% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Johnston? FEMA's National Risk Index points to hurricane (Relatively Low) in Edgefield County and Edgefield County had 33 active NFIP flood policies as of September 2026. See the full Edgefield 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 | $106,600 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Edgefield County | 33 |
| 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)