Home Insurance in Simpsonville, South Carolina
The median home value in Simpsonville is $299,300, close to the Greenville County median.
The typical home in Simpsonville was built around 1999. About 5% of homes were built before 1960, about 8 points below Greenville County's 13%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Simpsonville is 74% single-family homes, 18% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
About 73% of owner-occupied homes in Simpsonville have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Simpsonville has an owner-occupancy rate of 68% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
54% of homes in Simpsonville are primarily heated with electricity.
Greenville County had 1,058 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is tornado (Relatively High). See the full Greenville County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $299,300 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 73% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in Greenville County | 1,058 |
| 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)