Home Insurance in Sycamore, South Carolina
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Sycamore was built around 1980. About 23% of homes were built before 1960, about 1 point below Allendale County's 24%.
The housing stock in Sycamore is 61% single-family homes and 32% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 18% of owner-occupied homes in Sycamore have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 45%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Sycamore are owner-occupied.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 92% of homes in Sycamore are primarily heated with electricity.
Allendale County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Allendale County had 5 active NFIP flood policies as of September 2026. See the full Allendale 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 year built | 1980 |
|---|---|
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 18% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Allendale County | 5 |
| 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)