Home Insurance in Hilton Head Island, South Carolina
The median home value in Hilton Head Island is $687,400, 51% higher than the Beaufort County median.
The typical home in Hilton Head Island was built around 1987. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 1% of homes were built before 1960, about 3 points below Beaufort County's 4%.
The housing stock in Hilton Head Island is 53% single-family homes, 34% apartments in buildings with 5+ units and 5% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 51% of owner-occupied homes in Hilton Head Island have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 39%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 79% of occupied homes in Hilton Head Island are owner-occupied.
93% of homes in Hilton Head Island are primarily heated with electricity.
What's the biggest home insurance risk near Hilton Head Island? FEMA's National Risk Index points to hurricane (Very High) in Beaufort County and 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.
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 | $687,400 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 79% |
| Share of owner-occupied homes with a mortgage | 51% |
| 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)