Home Insurance in Greenville County, South Carolina
With a median home value of $299,000, Greenville County is 15% higher than the South Carolina median.
The typical home in Greenville County was built around 1992. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 13% of homes were built before 1960, in line with South Carolina (12%).
The housing stock in Greenville County is 72% single-family homes, 16% apartments in buildings with 5+ units and 7% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Greenville County, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Greenville County has an owner-occupancy rate of 69% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
57% of homes in Greenville County are primarily heated with electricity.
Per FEMA's National Risk Index, Greenville County's top hazards are tornado (Relatively High), inland flooding (Relatively High) and earthquake (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Greenville County has 1,058 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $299,000 |
|---|---|
| Median year built | 1992 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 62% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Inland Flooding (Relatively High), Earthquake (Relatively Moderate) |
| Active NFIP flood policies (county) | 1,058 |
| 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)