Home Insurance in Heath Springs, South Carolina
Homes in Heath Springs carry a median value of $109,100 - 67% lower than the Lancaster County median.
The typical home in Heath Springs was built around 1974. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 21% of homes were built before 1960, about 8 points above Lancaster County's 14%.
In Heath Springs, the housing stock is 82% single-family homes, 6% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Heath Springs, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Heath Springs has an owner-occupancy rate of 72% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Heath Springs, 49% of homes are primarily heated with natural gas.
Lancaster County had 160 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Lancaster County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in South Carolina is $1,753 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $109,100 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 42% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Lancaster County | 160 |
| 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)