Home Insurance in Lane, South Carolina
Homes in Lane carry a median value of $86,700 - 17% lower than the Williamsburg County median.
The typical home in Lane was built around 1979. About 22% of homes were built before 1960, about 8 points above Williamsburg County's 14%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Lane is 68% single-family homes and 30% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Lane, about 24% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 81% of occupied homes in Lane are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 69% of homes in Lane are primarily heated with electricity.
What's the biggest home insurance risk near Lane? FEMA's National Risk Index points to hurricane (Relatively High) in Williamsburg County and Williamsburg County had 106 active NFIP flood policies as of September 2026. See the full Williamsburg 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 | $86,700 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Williamsburg County | 106 |
| 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)