Home Insurance in Elloree, South Carolina
With a median home value of $192,500, Elloree is 66% higher than the Orangeburg County median.
The typical home in Elloree was built around 1947. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 64% of homes were built before 1960, about 49 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 Elloree is 90% single-family homes, 1% apartments in buildings with 5+ units and 4% mobile or manufactured homes.
In Elloree, about 23% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 82% of occupied homes in Elloree are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Elloree - 87% - 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.
Orangeburg County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $192,500 |
|---|---|
| Median year built | 1947 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 23% |
| 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)