Home Insurance in Fort Mill, South Carolina
The median home value in Fort Mill is $487,500, 35% higher than the York County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Fort Mill was built around 2011. About 9% of homes were built before 1960, in line with York County (9%).
Housing in Fort Mill breaks down to 86% single-family homes and 9% apartments in buildings with 5+ units.
75% of owner-occupied homes in Fort Mill carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Fort Mill has an owner-occupancy rate of 83% and a vacancy rate of 3%; unoccupied homes typically need a different coverage form.
In Fort Mill, 63% of homes are primarily heated with natural gas.
What's the biggest home insurance risk near Fort Mill? FEMA's National Risk Index points to tornado (Relatively High) in York County and 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 | $487,500 |
|---|---|
| Median year built | 2011 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 75% |
| 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)