Home Insurance in Starr, South Carolina
With a median home value of $175,000, Starr is 25% lower than the Anderson County median.
The typical home in Starr was built around 1967. About 38% of homes were built before 1960, about 23 points above Anderson County's 15%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Starr is 84% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
71% of owner-occupied homes in Starr carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Starr has an owner-occupancy rate of 97% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Starr - 58% - 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.
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 | $175,000 |
|---|---|
| Median year built | 1967 |
| Owner-occupied share | 97% |
| Share of owner-occupied homes with a mortgage | 71% |
| 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)