Home Insurance in Hickory Grove, South Carolina
Homes in Hickory Grove carry a median value of $159,400 - 56% lower than the York County median.
The typical home in Hickory Grove was built around 1987. About 33% of homes were built before 1960, about 24 points above York County's 9%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Hickory Grove, the housing stock is 66% single-family homes and 34% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
44% of owner-occupied homes in Hickory Grove carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in Hickory Grove are owner-occupied.
In Hickory Grove, 83% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Hickory Grove? FEMA's National Risk Index points to tornado (Relatively High) in York County and York County had 431 active NFIP flood policies as of September 2026. See the full York County home insurance overview for all FEMA hazard ratings and flood coverage details.
In South Carolina, the statewide average premium for a standard HO-3 homeowners policy is $1,753 per year (NAIC, 2023 data).
Key figures
| Median home value | $159,400 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in York County | 431 |
| 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)