Home Insurance in Winnsboro, South Carolina
With a median home value of $132,400, Winnsboro is 12% lower than the Fairfield County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Winnsboro was built around 1982. About 25% of homes were built before 1960, about 10 points above Fairfield County's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Winnsboro is 59% single-family homes, 19% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
52% of owner-occupied homes in Winnsboro carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in Winnsboro are owner-occupied.
Most homes in Winnsboro - 57% - are primarily heated with electricity. Homes heated with fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Fairfield County's top FEMA-rated hazard is hurricane (Relatively Low), per FEMA's National Risk Index. Fairfield County had 171 active NFIP flood policies as of September 2026. 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 home value | $132,400 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 52% |
| 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)