Home Insurance in Marion, South Carolina
Homes in Marion carry a median value of $137,300 - 47% higher than the Marion County median.
The typical home in Marion was built around 1963. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 45% of homes were built before 1960, about 25 points above Marion County's 21%.
Housing in Marion breaks down to 75% single-family homes, 3% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Marion, about 35% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Marion has an owner-occupancy rate of 48% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Marion - 73% - are primarily heated with electricity.
Marion County had 294 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). See the full Marion 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 | $137,300 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 48% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Marion County | 294 |
| 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)