Home Insurance in Sharon, South Carolina
Homes in Sharon carry a median value of $222,200 - 38% lower than the York County median.
The typical home in Sharon was built around 2001. About 14% of homes were built before 1960, about 5 points above York County's 9%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Sharon is 79% single-family homes and 20% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 39% of owner-occupied homes in Sharon have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 86% of occupied homes in Sharon are owner-occupied. The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
77% of homes in Sharon are primarily heated with electricity.
FEMA rates York County's overall risk as Relatively Moderate, led by tornado (Relatively High). 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.
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 | $222,200 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)