Home Insurance in York County, South Carolina
The median home value in York County is $361,300, 39% higher than the South Carolina median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in York County was built around 2000. About 9% of homes were built before 1960, about 4 points below South Carolina's 12%.
The housing stock in York County is 75% single-family homes, 14% apartments in buildings with 5+ units and 9% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
68% of owner-occupied homes in York County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
York County has an owner-occupancy rate of 75% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
50% of homes in York County are primarily heated with electricity.
The top hazards for York County, per FEMA's National Risk Index, are tornado (Relatively High), strong wind (Relatively High) and inland flooding (Relatively Moderate).
Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy. As of September 2026, York County has 431 active NFIP flood policies on file.
In South Carolina, the statewide average premium for a standard HO-3 homeowners policy is $1,753 per year (NAIC, 2023 data).
Key figures
| Median home value | $361,300 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 68% |
| Top hazards (FEMA National Risk Index) | Tornado (Relatively High), Strong Wind (Relatively High), Inland Flooding (Relatively Moderate) |
| Active NFIP flood policies (county) | 431 |
| 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)