Home Insurance in Williamston, South Carolina
Homes in Williamston carry a median value of $162,800 - 30% lower than the Anderson County median.
The typical home in Williamston was built around 1970. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 37% of homes were built before 1960, about 22 points above Anderson County's 15%.
Housing in Williamston breaks down to 80% single-family homes, 14% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
In Williamston, about 43% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Williamston are owner-occupied.
Most homes in Williamston - 66% - are primarily heated with electricity.
FEMA rates Anderson County's overall risk as Relatively Moderate, led by tornado (Relatively High). 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 | $162,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 43% |
| 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)