Home Insurance in Anderson, South Carolina
Homes in Anderson carry a median value of $218,200 - 6% lower than the Anderson County median.
The typical home in Anderson was built around 1975. About 29% of homes were built before 1960, about 13 points above Anderson County's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Anderson, the housing stock is 67% single-family homes, 17% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 62% of owner-occupied homes in Anderson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 51% of occupied homes in Anderson are owner-occupied.
57% of homes in Anderson are primarily heated with electricity.
Anderson County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. Anderson County had 118 active NFIP flood policies as of September 2026. See the full Anderson County home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in South Carolina is $1,753 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $218,200 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Anderson County | 118 |
| 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)