Home Insurance in Elgin, South Carolina
With a median home value of $217,400, Elgin is close to the Kershaw County median.
The typical home in Elgin was built around 1997. About 4% of homes were built before 1960, about 7 points below Kershaw County's 11%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Elgin, the housing stock is 98% single-family homes and 1% mobile or manufactured homes.
In Elgin, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Elgin has an owner-occupancy rate of 93% and a vacancy rate of 2%; unoccupied homes typically need a different coverage form.
69% of homes in Elgin are primarily heated with electricity.
Kershaw County had 291 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). 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 | $217,400 |
|---|---|
| Median year built | 1997 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)