Home Insurance in Eutawville, South Carolina
The median home value in Eutawville is $75,000, 35% lower than the Orangeburg County median.
The typical home in Eutawville was built around 1984. About 12% of homes were built before 1960, about 3 points below Orangeburg County's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Eutawville is 40% single-family homes and 58% mobile or manufactured homes.
In Eutawville, about 13% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 82% of occupied homes in Eutawville are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. Most homes in Eutawville - 76% - 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.
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 | $75,000 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 13% |
| 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)