Home Insurance in Pelion, South Carolina
With a median home value of $156,700, Pelion is 33% lower than the Lexington County median.
The typical home in Pelion was built around 1983. About 39% of homes were built before 1960, about 31 points above Lexington County's 8%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Pelion, the housing stock is 94% single-family homes, 1% 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.
81% of owner-occupied homes in Pelion carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Pelion are owner-occupied.
In Pelion, 60% of homes are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Lexington County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Lexington County had 1,340 active NFIP flood policies as of September 2026. See the full Lexington 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 | $156,700 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 81% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Lexington County | 1,340 |
| 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)