Home Insurance in Jasper County, South Carolina
With a median home value of $325,500, Jasper County is 26% higher than the South Carolina median.
The typical home in Jasper County was built around 2003. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 5% of homes were built before 1960, about 7 points below South Carolina's 12%.
In Jasper County, the housing stock is 61% single-family homes, 10% apartments in buildings with 5+ units and 26% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Jasper County, about 52% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 77% of occupied homes in Jasper County are owner-occupied.
In Jasper County, 75% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively High), earthquake (Relatively Low) and wildfire (Relatively Low) as the leading hazards for Jasper County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Jasper County had 1,938 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $325,500 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Earthquake (Relatively Low), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 1,938 |
| Home insurance premium | $1,753 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)