Home Insurance in Blythewood, South Carolina
With a median home value of $384,600, Blythewood is 58% higher than the Richland County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Blythewood was built around 2010. About 1% of homes were built before 1960, about 15 points below Richland County's 16%.
In Blythewood, the housing stock is 92% single-family homes, 5% apartments in buildings with 5+ units and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Blythewood, about 77% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 82% of occupied homes in Blythewood are owner-occupied. The vacancy rate is 2%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Blythewood, 59% of homes are primarily heated with electricity.
Richland County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. 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 | $384,600 |
|---|---|
| Median year built | 2010 |
| Owner-occupied share | 82% |
| Share of owner-occupied homes with a mortgage | 77% |
| 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)