Home Insurance in Kershaw County, South Carolina
Homes in Kershaw County carry a median value of $217,100 - 16% lower than the South Carolina median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Kershaw County was built around 1993. About 11% of homes were built before 1960, about 1 point below South Carolina's 12%.
In Kershaw County, the housing stock is 76% single-family homes, 3% apartments in buildings with 5+ units and 19% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 58% of owner-occupied homes in Kershaw County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Kershaw County has an owner-occupancy rate of 82% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
71% of homes in Kershaw County are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
The top hazards for Kershaw County, per FEMA's National Risk Index, are strong wind (Relatively High), hurricane (Relatively Moderate) and earthquake (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Kershaw County had 291 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.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in South Carolina carries a statewide average premium of $1,753 per year.
Key figures
| Median home value | $217,100 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Hurricane (Relatively Moderate), Earthquake (Relatively Low) |
| Active NFIP flood policies (county) | 291 |
| 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)