Homeowners Insurance in Mount Pleasant, SC
For a home at Mount Pleasant's median value of $748,500, we estimate about $4,160 a year — +137% versus the South Carolina NAIC average of $1,753.
Estimated homeowners insurance cost in Mount Pleasant
Mount Pleasant's estimate reflects its home values (2.9 times the state median) and FEMA's hazard profile for Charleston County.
Natural hazard risk in Mount Pleasant
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 60.9 | Comprehensive (car); roof claims (home) | |
| Tornado | 71.0 | Comprehensive; dwelling | |
| Hurricane | 99.6 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 89.9 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 99.8 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 82.5 | Comprehensive; dwelling | |
| Winter weather | 84.2 | Collision (icy roads); frozen pipes (home) | |
| Wildfire | 93.9 | Comprehensive; dwelling | |
| Earthquake | 98.8 | Home needs a separate earthquake policy | |
| Lightning | 92.6 | Fire and electrical damage |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated premium by home value in Mount Pleasant
| Dwelling value | Wood frame | Brick / masonry |
|---|---|---|
| $200,000 | $1,445 | $1,330 |
| $300,000 | $2,000 | $1,840 |
| $500,000 | $3,015 | $2,770 |
| $750,000 | $4,165 | $3,835 |
Home Insurance Estimator
Homeowners insurance by ZIP code in Mount Pleasant
| ZIP | Median home value | Owner-occupied | Est. premium |
|---|---|---|---|
| 29464 | $755,100 | 65.5% | $4,190 |
| 29466 | $736,400 | 84.7% | $4,105 |
Homeowners insurance in South Carolina · Car insurance in Mount Pleasant · Insurance offices near Mount Pleasant
Frequently asked questions
How much is homeowners insurance in Mount Pleasant?
For a home at Mount Pleasant's median value of $748,500, we estimate about $4,160 a year for a standard HO-3 policy with a $1,000 deductible. The South Carolina NAIC average is $1,753.
What are the biggest natural hazards in Mount Pleasant?
FEMA's National Risk Index rates Charleston County relatively high or very high for hurricane, coastal flooding, earthquake, and lightning.
Does the age of homes in Mount Pleasant affect insurance?
Yes. The median home in Mount Pleasant was built in 2000 (Census ACS). Older roofs, wiring and plumbing can raise premiums or require inspections, while updates often earn discounts.
How we estimate this
We start from the NAIC average homeowners (HO-3) premium for South Carolina, scale it by the ratio of the dwelling value to the state median home value, adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for Charleston County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (July 2026), Tables 4 and 5 (HO-3 and HO-4 average premiums)
- FEMA National Risk Index (Charleston County)
- U.S. Census Bureau, American Community Survey (home values, year built, tenure)