Home Insurance in Central, South Carolina
With a median home value of $256,600, Central is 11% higher than the Pickens County median.
The typical home in Central was built around 1988. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 13% of homes were built before 1960, in line with Pickens County (13%).
The housing stock in Central is 37% single-family homes, 45% apartments in buildings with 5+ units and 1% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
In Central, about 71% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 26% of occupied homes in Central are owner-occupied. The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
79% of homes in Central are primarily heated with electricity.
Pickens County's top FEMA-rated hazard is inland flooding (Relatively Moderate), per FEMA's National Risk Index. Pickens County had 126 active NFIP flood policies as of September 2026. See the full Pickens County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $256,600 |
|---|---|
| Median year built | 1988 |
| Owner-occupied share | 26% |
| Share of owner-occupied homes with a mortgage | 71% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Pickens County | 126 |
| 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)