Home Insurance in Ninety Six, South Carolina
The median home value in Ninety Six is $121,000, 33% lower than the Greenwood County median.
The typical home in Ninety Six was built around 1958. About 52% of homes were built before 1960, about 27 points above Greenwood County's 25%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
In Ninety Six, the housing stock is 85% single-family homes, 7% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
44% of owner-occupied homes in Ninety Six carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Ninety Six has an owner-occupancy rate of 69% and a vacancy rate of 9%; unoccupied homes typically need a different coverage form.
In Ninety Six, 56% of homes are primarily heated with natural gas.
Greenwood County's top FEMA-rated hazard is tornado (Relatively Moderate), per FEMA's National Risk Index. Greenwood County had 77 active NFIP flood policies as of September 2026. See the full Greenwood 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 | $121,000 |
|---|---|
| Median year built | 1958 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Greenwood County | 77 |
| 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)