Home Insurance in Camden, South Carolina
With a median home value of $265,300, Camden is 22% higher than the Kershaw County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Camden was built around 1975. About 30% of homes were built before 1960, about 19 points above Kershaw County's 11%.
The housing stock in Camden is 81% single-family homes, 13% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
About 60% of owner-occupied homes in Camden have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 69% of occupied homes in Camden are owner-occupied.
Most homes in Camden - 51% - are primarily heated with electricity.
FEMA rates Kershaw County's overall risk as Relatively Low, led by strong wind (Relatively High). Kershaw County had 291 active NFIP flood policies as of September 2026. See the full Kershaw County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $265,300 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Kershaw County | 291 |
| 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)