Home Insurance in Greenwood County, South Carolina
With a median home value of $180,500, Greenwood County is 30% lower than the South Carolina median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Greenwood County was built around 1977. About 25% of homes were built before 1960, about 13 points above 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 Greenwood County is 70% single-family homes, 11% apartments in buildings with 5+ units and 10% mobile or manufactured homes.
About 50% of owner-occupied homes in Greenwood County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Greenwood County has an owner-occupancy rate of 67% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
68% of homes in Greenwood County are primarily heated with electricity.
FEMA's National Risk Index lists tornado (Relatively Moderate), earthquake (Relatively Low) and hurricane (Relatively Low) as the leading hazards for Greenwood County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Greenwood County has 77 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $180,500 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively Moderate), Earthquake (Relatively Low), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 77 |
| 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)