HomeInsuranceQts

Home Insurance in Irmo, South Carolina

With a median home value of $203,400, Irmo is 16% lower than the Richland County median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Irmo was built around 1985. About 1% of homes were built before 1960, about 15 points below Richland County's 16%.

Housing in Irmo breaks down to 95% single-family homes, 3% apartments in buildings with 5+ units and 1% mobile or manufactured homes.

71% of owner-occupied homes in Irmo carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.

Irmo has an owner-occupancy rate of 82% and a vacancy rate of 5%; unoccupied homes typically need a different coverage form.

In Irmo, 81% of homes are primarily heated with electricity.

FEMA rates Richland County's overall risk as Relatively Moderate, led by strong wind (Relatively High). Richland County had 2,124 active NFIP flood policies as of September 2026. See the full Richland 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$203,400
Median year built1985
Owner-occupied share82%
Share of owner-occupied homes with a mortgage71%
Top county hazardStrong Wind (Relatively High)
Active NFIP policies in Richland County2,124
Home insurance premium$1,753 - statewide average (NAIC, 2023 data)
Key home insurance figures for Irmo, SC

Nearby towns

Sources

Data last updated: 2026-09-29