Home Insurance in Bethune, South Carolina
With a median home value of $106,800, Bethune is 51% lower than the Kershaw County median.
The typical home in Bethune was built around 1960. About 51% of homes were built before 1960, about 40 points above Kershaw County's 11%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Bethune, the housing stock is 93% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 46% of owner-occupied homes in Bethune have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Bethune has an owner-occupancy rate of 67% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
In Bethune, 58% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Bethune? FEMA's National Risk Index points to strong wind (Relatively High) in Kershaw County and Kershaw County had 291 active NFIP flood policies as of September 2026. See the full Kershaw County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $106,800 |
|---|---|
| Median year built | 1960 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 46% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Kershaw County | 291 |
| 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)