Home Insurance in Manning, South Carolina
The median home value in Manning is $157,600, close to the Clarendon County median.
The typical home in Manning was built around 1980. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 17% of homes were built before 1960, about 9 points above Clarendon County's 9%.
In Manning, the housing stock is 75% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
44% of owner-occupied homes in Manning carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Manning has an owner-occupancy rate of 54% and a vacancy rate of 11%; unoccupied homes typically need a different coverage form.
90% of homes in Manning 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.
Clarendon County's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. Clarendon County had 80 active NFIP flood policies as of September 2026. See the full Clarendon 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 | $157,600 |
|---|---|
| Median year built | 1980 |
| Owner-occupied share | 54% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Clarendon County | 80 |
| 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)