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Home insurance & flood costs in ZIP 29681 (Simpsonville, SC)

Plain facts for homeowners in Simpsonville: what insurance cost here in recent years, how often claims were paid, and what flood coverage runs.

See the numbers

Historical averages, not a quote. Updated Oct 2026.

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ZIP 29681 at a glance

Four numbers most homeowners ask about first.

$1,518
Avg. home premium

Per policy in 2022 (inflation-adjusted), HO-3/HO-5 policies.

$927
Avg. flood policy

Single-family NFIP policies that took effect in 2025.

2.88%
Nonrenewal rate

Share of policies not renewed by insurers in 2022. Typical U.S. ZIP: 0.81%.

5.7%
Claim frequency

Share of policies with a paid claim in 2022. Typical U.S. ZIP: 4.0%.

ZIP 29681 in numbers
$13,904
average paid claim (2022)
+9%
premium change 2018–2022, after inflation
1.49%
cancelled by insurers mid-term (2022)
134
single-family NFIP policies (2025)

What homeowners here pay

Each block pairs a short explanation with the data behind it.

Homeowners insurance

U.S. Treasury FIO, HO-3/HO-5 policies, 2018–2022

The average premium per policy in ZIP 29681 was $1,518 in 2022, 8% above the Greenville County typical ZIP ($1,408) and about the same as the typical U.S. ZIP code ($1,551). After adjusting for inflation, it rose 9% between 2018 and 2022. About 5.7% of policies here had a paid claim in 2022, and insurers chose not to renew 2.88% of policies.

Greenville County overview

Average premium per policy

Inflation-adjusted dollars, Treasury FIO
ZIP 29681GreenvilleU.S. typical ZIP

Flood insurance

FEMA NFIP single-family policies, 2022–2025

The average single-family NFIP flood policy that took effect in ZIP 29681 in 2025 cost $927, based on 134 policies, compared with $761 in 2022. About 40% of them are for homes in high-risk A or V zones.

Average flood policy cost

Full cost incl. fees, by year the policy took effect

Policies by flood zone, 2025

134 policies
A zones 40%X/B/C zones 60%V zones 0%

Claims & hazards

Treasury FIO claim frequency; FEMA National Risk Index for Greenville County

The chart shows the share of homeowners policies in ZIP 29681 with at least one paid claim each year. FEMA rates hazards for the whole county, not single ZIP codes. The top hazards for Greenville County are listed below the chart, as national percentiles (100 = highest).

All county hazards

Policies with a paid claim

Share of policies, by year

Top county hazards

  • Ice storm100 · Very High
  • Lightning98 · Very High
  • Tornado97 · Relatively High
  • Inland flooding96 · Relatively High
  • Cold wave96 · Relatively High

Other ZIP codes in Greenville County

Average premium per policy in 2022 (Treasury FIO). Showing 12 of 16; see the county page for all.

29356 Landrum · $1,62929605 Greenville · $1,49229607 Greenville · $1,42429609 Greenville · $1,41029611 Greenville · $1,12829615 Greenville · $1,60129617 Greenville · $1,11729644 Fountain Inn · $1,26329650 Greer · $1,51929651 Greer · $1,31329662 Mauldin · $1,24529669 Pelzer · $1,261

Practical next steps

Simple things homeowners in ZIP 29681 can do with this information.

Prepare for freezing weather. Burst pipes are a common winter claim. Insulating exposed pipes, keeping heat on while away and knowing where your main water shut-off is all help.
Know that earthquake damage is separate. Standard homeowners policies exclude earthquakes. If shaking is a concern where you live, ask about a separate earthquake policy or endorsement and its deductible.
Compare at renewal. Premiums vary widely by ZIP code, home and insurer. Use these averages as a reference point, not a price, and compare a few quotes at renewal.
Keep records. A roof certificate, receipts for upgrades and photos of your home's condition can help when you shop for coverage or file a claim.

Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.

Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.

This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.