HomeInsuranceQts

Home Insurance in Gaston, South Carolina

Homes in Gaston carry a median value of $120,000 - 49% lower than the Lexington County median.

The typical home in Gaston was built around 1989. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 14% of homes were built before 1960, about 6 points above Lexington County's 8%.

In Gaston, the housing stock is 49% single-family homes and 51% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Gaston, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

Gaston has an owner-occupancy rate of 71% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.

79% of homes in Gaston are primarily heated with electricity.

Lexington County had 1,340 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Lexington 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$120,000
Median year built1989
Owner-occupied share71%
Share of owner-occupied homes with a mortgage49%
Top county hazardTornado (Relatively High)
Active NFIP policies in Lexington County1,340
Home insurance premium$1,753 - statewide average (NAIC, 2023 data)
Key home insurance figures for Gaston, SC

Nearby towns

Sources

Data last updated: 2026-09-29