Home Insurance in York, South Carolina
Homes in York carry a median value of $198,600 - 45% lower than the York County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in York was built around 1984. About 20% of homes were built before 1960, about 12 points above York County's 9%.
The housing stock in York is 79% single-family homes, 4% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In York, about 62% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
York has an owner-occupancy rate of 67% and a vacancy rate of 13%; unoccupied homes typically need a different coverage form.
Most homes in York - 69% - 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 | $198,600 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 62% |
| 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)