Home Insurance in Jenkinsville, South Carolina
The typical home in Jenkinsville was built around 1990. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 12% of homes were built before 1960, about 4 points below Fairfield County's 16%.
The housing stock in Jenkinsville is 50% single-family homes and 50% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 17% of owner-occupied homes in Jenkinsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Jenkinsville has an owner-occupancy rate of 100% and a vacancy rate of 32%; unoccupied homes typically need a different coverage form.
Most homes in Jenkinsville - 57% - are primarily heated with propane. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Fairfield County had 171 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Low). See the full Fairfield 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 year built | 1990 |
|---|---|
| Owner-occupied share | 100% |
| Share of owner-occupied homes with a mortgage | 17% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Fairfield County | 171 |
| 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)