Home Insurance in Bamberg, South Carolina
With a median home value of $157,900, Bamberg is 61% higher than the Bamberg County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Bamberg was built around 1972. About 32% of homes were built before 1960, about 7 points above Bamberg County's 25%.
Housing in Bamberg breaks down to 70% single-family homes, 11% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
50% of owner-occupied homes in Bamberg carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Bamberg has an owner-occupancy rate of 66% and a vacancy rate of 26%; unoccupied homes typically need a different coverage form.
71% of homes in Bamberg are primarily heated with electricity.
Bamberg County had 23 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Bamberg 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 | $157,900 |
|---|---|
| Median year built | 1972 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Bamberg County | 23 |
| 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)