Home Insurance in Timmonsville, South Carolina
With a median home value of $104,300, Timmonsville is 41% lower than the Florence County median.
The typical home in Timmonsville was built around 1975. About 27% of homes were built before 1960, about 12 points above Florence County's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Timmonsville is 52% single-family homes, 3% apartments in buildings with 5+ units and 32% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 35% of owner-occupied homes in Timmonsville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Timmonsville has an owner-occupancy rate of 46% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
In Timmonsville, 94% of homes are primarily heated with electricity.
Florence County had 450 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). See the full Florence County home insurance overview for all FEMA hazard ratings and flood coverage details.
In South Carolina, the statewide average premium for a standard HO-3 homeowners policy is $1,753 per year (NAIC, 2023 data).
Key figures
| Median home value | $104,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Florence County | 450 |
| 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)