Home Insurance in Tatum, South Carolina
The median home value in Tatum is $86,700, 6% higher than the Marlboro County median.
The typical home in Tatum was built around 1964. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 32% of homes were built before 1960, about 8 points above Marlboro County's 25%.
In Tatum, the housing stock is 100% single-family homes.
In Tatum, about 27% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Tatum has an owner-occupancy rate of 85% and a vacancy rate of 35%; unoccupied homes typically need a different coverage form.
In Tatum, 88% of homes 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.
Marlboro County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Marlboro County had 34 active NFIP flood policies as of September 2026. See the full Marlboro County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $86,700 |
|---|---|
| Median year built | 1964 |
| Owner-occupied share | 85% |
| Share of owner-occupied homes with a mortgage | 27% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Marlboro County | 34 |
| 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)