Home Insurance in Orangeburg, South Carolina
Homes in Orangeburg carry a median value of $163,500 - 41% higher than the Orangeburg County median.
The typical home in Orangeburg was built around 1968. About 37% of homes were built before 1960, about 22 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.
The housing stock in Orangeburg is 63% single-family homes, 5% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Orangeburg, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 45% of occupied homes in Orangeburg are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Orangeburg, 76% of homes are primarily heated with electricity.
Orangeburg County had 209 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is earthquake (Relatively Moderate). 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 | $163,500 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 45% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)