Home Insurance in Cross Hill, South Carolina
With a median home value of $104,500, Cross Hill is 39% lower than the Laurens County median.
The typical home in Cross Hill was built around 1982. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 18% of homes were built before 1960, about 3 points above Laurens County's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Cross Hill is 41% single-family homes and 59% mobile or manufactured homes.
27% of owner-occupied homes in Cross Hill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Cross Hill has an owner-occupancy rate of 90% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Cross Hill - 85% - are primarily heated with electricity.
What's the biggest home insurance risk near Cross Hill? FEMA's National Risk Index points to strong wind (Relatively High) in Laurens County and Laurens County had 55 active NFIP flood policies as of September 2026. See the full Laurens 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 | $104,500 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Laurens County | 55 |
| 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)