Home Insurance in Goose Creek, South Carolina
Homes in Goose Creek carry a median value of $306,000 - close to the Berkeley County median.
The typical home in Goose Creek was built around 2002. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 3% of homes were built before 1960, in line with Berkeley County (4%).
The housing stock in Goose Creek is 78% single-family homes, 16% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
72% of owner-occupied homes in Goose Creek carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 68% of occupied homes in Goose Creek are owner-occupied. The vacancy rate is 4%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Goose Creek - 81% - are primarily heated with electricity.
Berkeley County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. Berkeley County had 7,048 active NFIP flood policies as of September 2026. See the full Berkeley 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 | $306,000 |
|---|---|
| Median year built | 2002 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 72% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Berkeley County | 7,048 |
| Home insurance premium | $1,753 - statewide average (NAIC, 2023 data) |
Nearby towns
- Hanahan
- North Charleston
- Lincolnville
- Summerville
- Charleston
- Moncks Corner
- Mount Pleasant
- James Island
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)