Home Insurance in Jonesville, South Carolina
With a median home value of $91,700, Jonesville is 11% lower than the Union County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Jonesville was built around 1961. About 48% of homes were built before 1960, about 18 points above Union County's 30%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Jonesville is 73% single-family homes, 1% apartments in buildings with 5+ units and 15% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 20% of owner-occupied homes in Jonesville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 75% of occupied homes in Jonesville are owner-occupied. The vacancy rate is 22%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Jonesville - 54% - are primarily heated with natural gas.
FEMA rates Union County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Union County had 1 active NFIP flood policy as of September 2026. See the full Union 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 | $91,700 |
|---|---|
| Median year built | 1961 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 20% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Union County | 1 |
| 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)