Home Insurance in St. Matthews, South Carolina
The median home value in St. Matthews is $204,200, 19% higher than the Calhoun County median.
The typical home in St. Matthews was built around 1968. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 39% of homes were built before 1960, about 23 points above Calhoun County's 16%.
In St. Matthews, the housing stock is 83% single-family homes and 10% apartments in buildings with 5+ units.
In St. Matthews, about 42% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
St. Matthews has an owner-occupancy rate of 67% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 75% of homes in St. Matthews are primarily heated with electricity.
What's the biggest home insurance risk near St. Matthews? 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.
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 | $204,200 |
|---|---|
| Median year built | 1968 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)