Home Insurance in Cope, South Carolina
The median home in Cope was built in 1939 or earlier. About 96% of homes were built before 1960, about 81 points above Orangeburg County's 15%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Cope, the housing stock is 96% single-family homes.
About 50% of owner-occupied homes in Cope have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 17% of occupied homes in Cope are owner-occupied. The vacancy rate is 52%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
92% of homes in Cope are primarily heated with electricity.
What's the biggest home insurance risk near Cope? FEMA's National Risk Index points to earthquake (Relatively Moderate) in Orangeburg County and 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 year built | 1939 or earlier |
|---|---|
| Owner-occupied share | 17% |
| Share of owner-occupied homes with a mortgage | 50% |
| 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)