Home Insurance in Belton, South Carolina
Homes in Belton carry a median value of $133,500 - 42% lower than the Anderson County median.
The typical home in Belton was built around 1957. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 58% of homes were built before 1960, about 43 points above Anderson County's 15%.
Housing in Belton breaks down to 87% single-family homes, 4% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Belton, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 6%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Belton are owner-occupied.
In Belton, 58% of homes are primarily heated with natural gas.
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 | $133,500 |
|---|---|
| Median year built | 1957 |
| Owner-occupied share | 56% |
| Share of owner-occupied homes with a mortgage | 45% |
| 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)