Home Insurance in Beaufort, South Carolina
Homes in Beaufort carry a median value of $345,400 - 24% lower than the Beaufort County median.
The typical home in Beaufort was built around 1984. About 21% of homes were built before 1960, about 18 points above Beaufort County's 4%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Housing in Beaufort breaks down to 73% single-family homes, 18% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Beaufort, about 61% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Beaufort has an owner-occupancy rate of 61% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Beaufort - 76% - are primarily heated with electricity.
Beaufort County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. Beaufort County had 45,343 active NFIP flood policies as of September 2026. See the full Beaufort County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in South Carolina carries a statewide average premium of $1,753 per year.
Key figures
| Median home value | $345,400 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 61% |
| Share of owner-occupied homes with a mortgage | 61% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Beaufort County | 45,343 |
| 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)