Home Insurance in Clarendon County, South Carolina
With a median home value of $158,000, Clarendon County is 39% lower than the South Carolina median.
The typical home in Clarendon County was built around 1990. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 9% of homes were built before 1960, about 4 points below South Carolina's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Clarendon County is 59% single-family homes, 4% apartments in buildings with 5+ units and 34% mobile or manufactured homes.
About 40% of owner-occupied homes in Clarendon County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 23%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Clarendon County are owner-occupied.
Most homes in Clarendon County - 90% - 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.
FEMA's National Risk Index lists hurricane (Relatively High), earthquake (Relatively Low) and wildfire (Relatively Low) as the leading hazards for Clarendon County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Clarendon County has 80 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $158,000 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 40% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Earthquake (Relatively Low), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 80 |
| Home insurance premium | $1,753 - statewide average (NAIC, 2023 data) |
Towns and cities
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)