Home Insurance in Laurens County, South Carolina
The median home value in Laurens County is $170,600, 34% lower than the South Carolina median.
The typical home in Laurens County was built around 1985. About 16% of homes were built before 1960, about 3 points above South Carolina's 12%. 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 Laurens County is 62% single-family homes, 4% apartments in buildings with 5+ units and 30% mobile or manufactured homes.
In Laurens County, about 48% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Laurens County has an owner-occupancy rate of 71% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
63% of homes in Laurens County are primarily heated with electricity.
The top hazards for Laurens County, per FEMA's National Risk Index, are strong wind (Relatively High), earthquake (Relatively Low) and hurricane (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Laurens County has 55 active NFIP flood policies on file.
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 | $170,600 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 71% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top hazards (FEMA National Risk Index) | Strong Wind (Relatively High), Earthquake (Relatively Low), Hurricane (Relatively Low) |
| Active NFIP flood policies (county) | 55 |
| Home insurance premium | $1,753 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)