Home Insurance in Hodges, South Carolina
With a median home value of $145,800, Hodges is 19% lower than the Greenwood County median.
The typical home in Hodges was built around 1963. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 48% of homes were built before 1960, about 23 points above Greenwood County's 25%.
In Hodges, the housing stock is 69% single-family homes and 21% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 50% of owner-occupied homes in Hodges have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hodges has an owner-occupancy rate of 75% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
In Hodges, 70% of homes are primarily heated with electricity.
Greenwood County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Greenwood County had 77 active NFIP flood policies as of September 2026. See the full Greenwood 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 | $145,800 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Greenwood County | 77 |
| 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)