Home Insurance in Gifford, South Carolina
The median home value in Gifford is $94,700, 15% lower than the Hampton County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Gifford was built around 1983. About 4% of homes were built before 1960, about 13 points below Hampton County's 17%.
In Gifford, the housing stock is 73% single-family homes and 27% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Gifford, about 22% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 70% of occupied homes in Gifford are owner-occupied.
65% of homes in Gifford are primarily heated with electricity. Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
FEMA rates Hampton County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). 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.
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 | $94,700 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 70% |
| Share of owner-occupied homes with a mortgage | 22% |
| 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)