Home Insurance in Sumter County, South Carolina
The median home value in Sumter County is $165,300, 36% lower than the South Carolina median.
The typical home in Sumter County was built around 1987. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 12% of homes were built before 1960, in line with South Carolina (12%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Sumter County is 69% single-family homes, 7% apartments in buildings with 5+ units and 19% mobile or manufactured homes.
51% of owner-occupied homes in Sumter County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 68% of occupied homes in Sumter County are owner-occupied.
85% of homes in Sumter County are primarily heated with electricity.
The top hazards for Sumter County, per FEMA's National Risk Index, are hurricane (Relatively Moderate), earthquake (Relatively Moderate) and strong wind (Relatively High). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Sumter County had 553 active National Flood Insurance Program policies as of September 2026. 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 | $165,300 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Earthquake (Relatively Moderate), Strong Wind (Relatively High) |
| Active NFIP flood policies (county) | 553 |
| Home insurance premium | $1,753 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)