Home Insurance in Ridgeland, South Carolina
Homes in Ridgeland carry a median value of $228,400 - 30% lower than the Jasper County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Ridgeland was built around 1999. About 19% of homes were built before 1960, about 14 points above Jasper County's 5%.
The housing stock in Ridgeland is 52% single-family homes, 15% apartments in buildings with 5+ units and 21% 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.
In Ridgeland, about 78% 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 47% of occupied homes in Ridgeland are owner-occupied.
In Ridgeland, 95% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Ridgeland? FEMA's National Risk Index points to hurricane (Relatively High) in Jasper County and Jasper County had 1,938 active NFIP flood policies as of September 2026. See the full Jasper 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 | $228,400 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 47% |
| Share of owner-occupied homes with a mortgage | 78% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Jasper County | 1,938 |
| 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)