Home Insurance in Lexington County, South Carolina
With a median home value of $234,500, Lexington County is 9% lower than the South Carolina median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Lexington County was built around 1993. About 8% of homes were built before 1960, about 4 points below South Carolina's 12%.
In Lexington County, the housing stock is 73% single-family homes, 7% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
63% of owner-occupied homes in Lexington County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Lexington County has an owner-occupancy rate of 77% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
In Lexington County, 69% of homes are primarily heated with electricity.
Per FEMA's National Risk Index, Lexington County's top hazards are tornado (Relatively High), strong wind (Relatively High) and hurricane (Relatively Moderate).
Lexington County had 1,340 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.
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 | $234,500 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Strong Wind (Relatively High), Hurricane (Relatively Moderate) |
| Active NFIP flood policies (county) | 1,340 |
| Home insurance premium | $1,753 - statewide average (NAIC, 2023 data) |
Towns and cities
- Batesburg-Leesville
- Cayce
- Chapin
- Gaston
- Gilbert
- Lexington
- Pelion
- Pine Ridge
- South Congaree
- Springdale
- Summit
- Swansea
- West Columbia
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)