Home Insurance in Clinton, South Carolina
Homes in Clinton carry a median value of $173,400 - close to the Laurens County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Clinton was built around 1969. About 37% of homes were built before 1960, about 21 points above Laurens County's 16%.
In Clinton, the housing stock is 68% single-family homes, 20% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
61% of owner-occupied homes in Clinton carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Clinton has an owner-occupancy rate of 52% and a vacancy rate of 23%; unoccupied homes typically need a different coverage form.
53% of homes in Clinton are primarily heated with natural gas.
Laurens County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Laurens County had 55 active NFIP flood policies as of September 2026. See the full Laurens 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 | $173,400 |
|---|---|
| Median year built | 1969 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Laurens County | 55 |
| 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)