Home Insurance in Arcadia Lakes, South Carolina
With a median home value of $351,000, Arcadia Lakes is 45% higher than the Richland County median.
The typical home in Arcadia Lakes was built around 1968. About 32% of homes were built before 1960, about 16 points above Richland County's 16%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Arcadia Lakes breaks down to 99% single-family homes and 1% apartments in buildings with 5+ units.
About 52% of owner-occupied homes in Arcadia Lakes have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 90% of occupied homes in Arcadia Lakes are owner-occupied.
49% of homes in Arcadia Lakes are primarily heated with natural gas.
FEMA rates Richland County's overall risk as Relatively Moderate, led by strong wind (Relatively High). Richland County had 2,124 active NFIP flood policies as of September 2026. See the full Richland County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in South Carolina is $1,753 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $351,000 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 90% |
| Share of owner-occupied homes with a mortgage | 52% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Richland County | 2,124 |
| 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)