Home Insurance in Branchville, South Carolina
The median home value in Branchville is $115,300, close to the Orangeburg County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Branchville was built around 1985. About 30% of homes were built before 1960, about 15 points above Orangeburg County's 15%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Branchville is 52% single-family homes, 2% apartments in buildings with 5+ units and 35% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Branchville, about 31% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Branchville has an owner-occupancy rate of 62% and a vacancy rate of 20%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Branchville, 81% of homes are primarily heated with electricity.
FEMA rates Orangeburg County's overall risk as Relatively Moderate, led by earthquake (Relatively Moderate). Orangeburg County had 209 active NFIP flood policies as of September 2026. See the full Orangeburg County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $115,300 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 31% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Orangeburg County | 209 |
| 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)