Home Insurance in McCormick County, South Carolina
With a median home value of $168,700, McCormick County is 35% lower than the South Carolina median.
The typical home in McCormick County was built around 1987. About 18% of homes were built before 1960, about 6 points above South Carolina's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In McCormick County, the housing stock is 72% single-family homes, 3% apartments in buildings with 5+ units and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 37% of owner-occupied homes in McCormick County have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 26%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 88% of occupied homes in McCormick County are owner-occupied.
82% of homes in McCormick County 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, McCormick County's top hazards are hurricane (Relatively Low), earthquake (Very Low) and tornado (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
McCormick County had 41 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $168,700 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 88% |
| Share of owner-occupied homes with a mortgage | 37% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Low), Earthquake (Very Low), Tornado (Relatively Low) |
| Active NFIP flood policies (county) | 41 |
| 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)