Home Insurance in Pinewood, South Carolina
Homes in Pinewood carry a median value of $104,800 - 37% lower than the Sumter County median.
The typical home in Pinewood was built around 1971. About 30% of homes were built before 1960, about 18 points above Sumter County's 12%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Pinewood is 66% single-family homes and 20% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 29% of owner-occupied homes in Pinewood have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 17%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 46% of occupied homes in Pinewood are owner-occupied.
In Pinewood, 91% of homes are primarily heated with electricity.
Sumter County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Sumter County had 553 active NFIP flood policies as of September 2026. See the full Sumter County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $104,800 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 46% |
| Share of owner-occupied homes with a mortgage | 29% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Sumter County | 553 |
| 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)