Home Insurance in Easley, South Carolina
The median home value in Easley is $263,500, 14% higher than the Pickens County median.
The typical home in Easley was built around 1987. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 16% of homes were built before 1960, about 3 points above Pickens County's 13%.
In Easley, the housing stock is 75% single-family homes, 14% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
62% of owner-occupied homes in Easley carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 69% of occupied homes in Easley are owner-occupied. The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
49% of homes in Easley are primarily heated with natural gas.
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 | $263,500 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)