Home Insurance in Carlisle, South Carolina
The median home value in Carlisle is $66,300, 36% lower than the Union County median.
The typical home in Carlisle was built around 1977. 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 14 points below Union County's 30%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Carlisle is 67% single-family homes and 33% mobile or manufactured homes.
11% of owner-occupied homes in Carlisle carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Carlisle has an owner-occupancy rate of 74% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Homes heated with propane and fuel oil can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Carlisle, 72% of homes are primarily heated with electricity.
FEMA rates Union County's overall risk as Relatively Low, led by tornado (Relatively Moderate). Union County had 1 active NFIP flood policy as of September 2026. See the full Union 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 | $66,300 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 11% |
| Top county hazard | Tornado (Relatively Moderate) |
| Active NFIP policies in Union County | 1 |
| 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)