Homeowners Insurance in South Carolina

The average South Carolina homeowners premium is $1,753 a year (NAIC) — ▲ +1% versus the U.S. average of $1,737, ranking 19th of 51.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. Real premiums depend on the insurer, the home, its roof and claims history. We are not an insurance company or agency. How we estimate

Average homeowners and renters insurance in South Carolina

Homeowners (HO-3)

$1,753

NAIC average / year

Renters (HO-4)

$187

U.S. $173

Median home value

$259,000

Census ACS

FEMA expected loss rating

Relatively Moderate

all natural hazards

NAIC averages cover standard owner-occupied (HO-3) policies. Premiums scale with the cost to rebuild, so South Carolina's median home value of $259,000 and its exposure to wind, hail and wildfire explain much of the difference from other states.

Natural hazard risk in South Carolina

FEMA National Risk Index — expected annual loss by hazard (state level)
Hazard	Expected loss rating	Score	Expected annual loss
Hail	Relatively Low	52.8	$20,874,100
Tornado	Relatively Moderate	60.4	$201,801,814
Hurricane	Relatively High	89.1	$1,190,765,748
Inland (river) flooding	Relatively Moderate	51.8	$785,006,243
Coastal flooding	Relatively High	83.8	$57,196,656
Wildfire	Relatively Low	60.8	$14,930,203
Earthquake	Relatively Moderate	83.9	$374,116,978
Winter weather	Relatively Moderate	37.5	$3,440,619
Strong wind	Relatively Moderate	54.7	$48,319,929
Lightning	Relatively Moderate	67.3	$36,349,256

Standard homeowners policies exclude flood and earthquake; both need separate coverage. Wind and hurricane damage is covered but often with a separate percentage deductible in coastal states.

Home Insurance Estimator

Estimated annual premium

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Per month

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Estimated homeowners insurance by city

For a home at each city's median value, standard frame construction and a $1,000 deductible. The lowest estimate is in Spartanburg ($1,420) and the highest in Mount Pleasant ($4,160).

City	Median home value	Median year built	Hail / wind	Est. premium
Charleston	$509,700	1995	Relatively Low / Relatively Moderate	$3,060
Columbia	$264,300	1980	Relatively Moderate / Relatively High	$1,845
North Charleston	$302,200	1996	Relatively Low / Relatively Moderate	$2,015
Mount Pleasant	$748,500	2000	Relatively Low / Relatively Moderate	$4,160
Rock Hill	$295,100	1994	Relatively Low / Relatively High	$1,895
Greenville	$487,500	1987	Relatively Moderate / Relatively High	$2,900
Summerville	$328,100	2001	Relatively Low / Relatively Low	$1,935
Goose Creek	$306,000	2002	Relatively Low / Relatively Moderate	$1,980
Florence	$211,400	1983	Relatively Moderate / Relatively Moderate	$1,430
Myrtle Beach	$388,800	1994	Relatively Low / Relatively High	$2,480
Spartanburg	$203,700	1968	Relatively Moderate / Relatively Moderate	$1,420
Anderson	$218,200	1975	Relatively Moderate / Relatively High	$1,460
Lancaster	$239,100	1972	Relatively Low / Relatively High	$1,510

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Frequently asked questions

How much is homeowners insurance in South Carolina?

NAIC data puts the average South Carolina homeowners (HO-3) premium at $1,753 a year, ranking 19th of 51 (1 = most expensive). The national average is $1,737.

How much is renters insurance in South Carolina?

The NAIC average renters (HO-4) premium in South Carolina is $187 a year.

What natural hazards affect home insurance in South Carolina?

FEMA's National Risk Index rates South Carolina relatively high or very high for expected annual losses from hurricane and coastal flooding. Standard homeowners policies exclude flood and earthquake, which need separate coverage.

Does homeowners insurance cover floods in South Carolina?

No. Standard homeowners policies exclude flood damage. Flood coverage is sold separately through the National Flood Insurance Program (NFIP) or private insurers.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for the state, scale it by the ratio of the home value to the state median home value (Census ACS), adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for the county relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page