Home Insurance in Clemson, South Carolina
The median home value in Clemson is $398,400, 72% higher than the Pickens County median.
The typical home in Clemson was built around 1989. About 11% of homes were built before 1960, about 2 points below Pickens County's 13%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Clemson, the housing stock is 44% single-family homes and 37% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 56% of owner-occupied homes in Clemson have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 10%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 34% of occupied homes in Clemson are owner-occupied.
Most homes in Clemson - 72% - are primarily heated with electricity.
What's the biggest home insurance risk near Clemson? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Pickens County and 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.
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 | $398,400 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 34% |
| Share of owner-occupied homes with a mortgage | 56% |
| 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)