Home Insurance in Marlboro County, South Carolina
The median home value in Marlboro County is $82,000, 68% lower than the South Carolina median.
The typical home in Marlboro County was built around 1977. About 25% of homes were built before 1960, about 13 points above South Carolina's 12%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Marlboro County, the housing stock is 63% single-family homes, 4% apartments in buildings with 5+ units and 26% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Marlboro County, about 24% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Marlboro County has an owner-occupancy rate of 63% and a vacancy rate of 19%; unoccupied homes typically need a different coverage form.
Most homes in Marlboro County - 75% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Marlboro County's top hazards are hurricane (Relatively Moderate), tornado (Relatively Moderate) and wildfire (Relatively Low).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, Marlboro County has 34 active NFIP flood policies on file.
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 | $82,000 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 63% |
| Share of owner-occupied homes with a mortgage | 24% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Tornado (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 34 |
| Home insurance premium | $1,753 - statewide average (NAIC, 2023 data) |
Towns and cities
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)