Homeowners Insurance in Summerville, SC

For a home at Summerville's median value of $328,100, we estimate about $1,935 a year — +10% versus the South Carolina NAIC average of $1,753.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. We are not an insurance company or agency. How we estimate

Estimated homeowners insurance cost in Summerville

Est. premium

$1,935

$161/mo · median home

Median home value

$328,100

South Carolina: $259,000

Median year built

2001

Census ACS

Owner-occupied

69.1%

of households

Hazard score

70.3

state ref. 84.8

Summerville's estimate reflects its home values (27% higher than the state median) and FEMA's hazard profile for Dorchester County.

Natural hazard risk in Summerville

FEMA National Risk Index — Dorchester County
Hazard	Risk rating	Score (0–100)	Insurance impact
Hail	Relatively Low	45.7	Comprehensive (car); roof claims (home)
Tornado	Relatively Moderate	74.8	Comprehensive; dwelling
Hurricane	Relatively High	97.9	Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding	Relatively Moderate	78.7	Comprehensive; home needs a separate flood policy
Coastal flooding	Relatively Low	59.2	Comprehensive; home needs a separate flood policy
Strong wind	Relatively Low	18.7	Comprehensive; dwelling
Winter weather	Relatively Moderate	68.1	Collision (icy roads); frozen pipes (home)
Wildfire	Relatively Low	79.0	Comprehensive; dwelling
Earthquake	Relatively Moderate	97.9	Home needs a separate earthquake policy
Lightning	Relatively High	82.7	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 Summerville

Dwelling value	Wood frame	Brick / masonry
$200,000	$1,300	$1,195
$300,000	$1,800	$1,655
$500,000	$2,710	$2,490
$750,000	$3,745	$3,445

Home Insurance Estimator

Estimated annual premium

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Homeowners insurance by ZIP code in Summerville

ZIP	Median home value	Owner-occupied	Est. premium
29483	$333,300	78.6%	$1,960
29485	$341,600	74.1%	$1,995

Homeowners insurance in South Carolina · Car insurance in Summerville · Insurance offices near Summerville

Frequently asked questions

How much is homeowners insurance in Summerville?

For a home at Summerville's median value of $328,100, we estimate about $1,935 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 Summerville?

FEMA's National Risk Index rates Dorchester County relatively high or very high for hurricane and lightning.

Does the age of homes in Summerville affect insurance?

Yes. The median home in Summerville was built in 2001 (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 Dorchester County relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page