Home Insurance in Cameron, South Carolina
With a median home value of $215,800, Cameron is 25% higher than the Calhoun County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Cameron was built around 1968. About 42% of homes were built before 1960, about 25 points above Calhoun County's 16%.
In Cameron, the housing stock is 94% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Cameron, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 13%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 85% of occupied homes in Cameron are owner-occupied.
73% of homes in Cameron are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Cameron? FEMA's National Risk Index points to hurricane (Relatively Low) in Calhoun County and Calhoun County had 12 active NFIP flood policies as of September 2026. See the full Calhoun County home insurance overview for all FEMA hazard ratings and flood coverage details.
In South Carolina, the statewide average premium for a standard HO-3 homeowners policy is $1,753 per year (NAIC, 2023 data).
Key figures
| Median home value | $215,800 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Hurricane (Relatively Low) |
| Active NFIP policies in Calhoun County | 12 |
| 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)