Home Insurance in Bluffton, South Carolina
Homes in Bluffton carry a median value of $492,100 - 8% higher than the Beaufort County median.
The typical home in Bluffton was built around 2012. About 1% of homes were built before 1960, about 3 points below Beaufort County's 4%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
In Bluffton, the housing stock is 90% single-family homes and 9% apartments in buildings with 5+ units.
In Bluffton, about 74% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Bluffton has an owner-occupancy rate of 83% and a vacancy rate of 6%; unoccupied homes typically need a different coverage form.
69% of homes in Bluffton are primarily heated with electricity.
Beaufort County had 45,343 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). See the full Beaufort County home insurance overview for all FEMA hazard ratings and flood coverage details.
In South Carolina, the statewide average premium for a standard HO-3 homeowners policy is $1,753 per year (NAIC, 2023 data).
Key figures
| Median home value | $492,100 |
|---|---|
| Median year built | 2012 |
| Owner-occupied share | 83% |
| Share of owner-occupied homes with a mortgage | 74% |
| 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)