Home Insurance in Port Royal, South Carolina
The median home value in Port Royal is $347,200, 24% lower than the Beaufort County median.
The typical home in Port Royal was built around 2008. About 8% of homes were built before 1960, about 5 points above Beaufort County's 4%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Port Royal, the housing stock is 55% single-family homes, 36% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
69% of owner-occupied homes in Port Royal carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 38% of occupied homes in Port Royal are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Port Royal, 81% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Port Royal? 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 | $347,200 |
|---|---|
| Median year built | 2008 |
| Owner-occupied share | 38% |
| Share of owner-occupied homes with a mortgage | 69% |
| 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)