Home Insurance in Marion County, South Carolina
Homes in Marion County carry a median value of $93,200 - 64% lower than the South Carolina median.
The typical home in Marion County was built around 1982. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 21% of homes were built before 1960, about 9 points above South Carolina's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Marion County is 60% single-family homes, 1% apartments in buildings with 5+ units and 32% mobile or manufactured homes.
In Marion County, about 30% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 63% of occupied homes in Marion County are owner-occupied.
86% of homes in Marion County are primarily heated with electricity.
The top hazards for Marion County, per FEMA's National Risk Index, are hurricane (Relatively High), earthquake (Relatively Low) and tornado (Relatively Moderate). 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, Marion County has 294 active NFIP flood policies on file.
In South Carolina, the statewide average premium for a standard HO-3 homeowners policy is $1,753 per year (NAIC, 2023 data).
Key figures
| Median home value | $93,200 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 30% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Earthquake (Relatively Low), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 294 |
| 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)