Home Insurance in Yemassee, South Carolina
The median home value in Yemassee is $161,600, 65% lower than the Beaufort County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Yemassee was built around 1991. About 16% of homes were built before 1960, about 13 points above Beaufort County's 4%.
In Yemassee, the housing stock is 61% single-family homes, 10% apartments in buildings with 5+ units and 28% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Yemassee, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 62% of occupied homes in Yemassee are owner-occupied. The vacancy rate is 12%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
79% of homes in Yemassee are primarily heated with electricity.
FEMA rates Beaufort County's overall risk as Relatively High, led by hurricane (Very High). 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.
The statewide average premium for a standard HO-3 homeowners policy in South Carolina is $1,753 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $161,600 |
|---|---|
| Median year built | 1991 |
| Owner-occupied share | 62% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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)