Home Insurance in Estill, South Carolina
Homes in Estill carry a median value of $94,100 - 16% lower than the Hampton County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Estill was built around 1977. About 31% of homes were built before 1960, about 14 points above Hampton County's 17%.
In Estill, the housing stock is 66% single-family homes, 3% apartments in buildings with 5+ units and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 33% of owner-occupied homes in Estill have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Estill has an owner-occupancy rate of 57% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Most homes in Estill - 88% - are primarily heated with electricity.
Hampton County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Hampton County had 74 active NFIP flood policies as of September 2026. See the full Hampton 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 | $94,100 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 57% |
| Share of owner-occupied homes with a mortgage | 33% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Hampton County | 74 |
| 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)