Home Insurance in Clover, South Carolina
With a median home value of $295,700, Clover is 18% lower than the York County median.
The typical home in Clover was built around 2001. About 21% of homes were built before 1960, about 12 points above York County's 9%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
Housing in Clover breaks down to 90% single-family homes, 6% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
In Clover, about 72% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 80% of occupied homes in Clover are owner-occupied.
50% of homes in Clover are primarily heated with electricity.
York County's top FEMA-rated hazard is tornado (Relatively High), per FEMA's National Risk Index. York County had 431 active NFIP flood policies as of September 2026. See the full York County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $295,700 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 80% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Tornado (Relatively High) |
| Active NFIP policies in York County | 431 |
| 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)