Home Insurance in Ware Shoals, South Carolina
Homes in Ware Shoals carry a median value of $82,000 - 55% lower than the Greenwood County median.
The typical home in Ware Shoals was built around 1952. About 64% of homes were built before 1960, about 39 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.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Ware Shoals is 75% single-family homes, 1% apartments in buildings with 5+ units and 16% mobile or manufactured homes.
34% of owner-occupied homes in Ware Shoals carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 68% of occupied homes in Ware Shoals are owner-occupied. The vacancy rate is 20%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Ware Shoals, 54% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Ware Shoals? FEMA's National Risk Index points to tornado (Relatively Moderate) in Greenwood County and 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 | $82,000 |
|---|---|
| Median year built | 1952 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 34% |
| 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)