Home Insurance in Spartanburg County, South Carolina
With a median home value of $233,300, Spartanburg County is 10% lower than the South Carolina median.
The typical home in Spartanburg County was built around 1990. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 16% of homes were built before 1960, about 4 points above South Carolina's 12%.
The housing stock in Spartanburg County is 75% single-family homes, 9% apartments in buildings with 5+ units and 12% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Spartanburg County, about 60% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Spartanburg County are owner-occupied.
Most homes in Spartanburg County - 68% - are primarily heated with electricity.
Per FEMA's National Risk Index, Spartanburg County's top hazards are inland flooding (Relatively Moderate), earthquake (Relatively Moderate) and tornado (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Spartanburg County has 218 active NFIP flood insurance policies. 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 | $233,300 |
|---|---|
| Median year built | 1990 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 60% |
| Top hazards (FEMA National Risk Index) | Inland Flooding (Relatively Moderate), Earthquake (Relatively Moderate), Tornado (Relatively Moderate) |
| Active NFIP flood policies (county) | 218 |
| Home insurance premium | $1,753 - statewide average (NAIC, 2023 data) |
Towns and cities
- Campobello
- Central Pacolet
- Cowpens
- Duncan
- Inman
- Lyman
- Pacolet
- Reidville
- Spartanburg
- Wellford
- Woodruff
Smaller communities
-
Chesnee
- Median home value: $103,700
- Median year built: 1962
- Owner-occupied share: 54%
-
Landrum
- Median home value: $215,000
- Median year built: 1972
- Owner-occupied share: 78%
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)