Home Insurance in Pine Ridge, South Carolina
Homes in Pine Ridge carry a median value of $227,900 - close to the Lexington County median.
The typical home in Pine Ridge was built around 1994. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 4% of homes were built before 1960, about 4 points below Lexington County's 8%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pine Ridge is 92% single-family homes and 8% mobile or manufactured homes.
62% of owner-occupied homes in Pine Ridge carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Pine Ridge has an owner-occupancy rate of 91% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
Most homes in Pine Ridge - 53% - are primarily heated with electricity.
What's the biggest home insurance risk near Pine Ridge? FEMA's National Risk Index points to tornado (Relatively High) in Lexington County and 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.
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 | $227,900 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)