Home Insurance in Reidville, South Carolina
Homes in Reidville carry a median value of $331,000 - 42% higher than the Spartanburg County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Reidville was built around 2012. About 11% of homes were built before 1960, about 5 points below Spartanburg County's 16%.
The housing stock in Reidville is 93% single-family homes and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 69% of owner-occupied homes in Reidville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Reidville has an owner-occupancy rate of 93% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
In Reidville, 58% of homes are primarily heated with natural gas.
Spartanburg County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Spartanburg County had 218 active NFIP flood policies as of September 2026. See the full Spartanburg County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $331,000 |
|---|---|
| Median year built | 2012 |
| Owner-occupied share | 93% |
| Share of owner-occupied homes with a mortgage | 69% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Spartanburg County | 218 |
| 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)