Home Insurance in Hanahan, South Carolina
Homes in Hanahan carry a median value of $374,800 - 21% higher than the Berkeley County median.
The typical home in Hanahan was built around 1986. About 11% of homes were built before 1960, about 7 points above Berkeley County's 4%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hanahan is 73% single-family homes, 16% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
In Hanahan, about 70% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hanahan has an owner-occupancy rate of 68% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
Most homes in Hanahan - 65% - 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.
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 | $374,800 |
|---|---|
| Median year built | 1986 |
| Owner-occupied share | 68% |
| Share of owner-occupied homes with a mortgage | 70% |
| 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
- North Charleston
- Goose Creek
- Charleston
- Lincolnville
- Summerville
- Mount Pleasant
- James Island
- Sullivan's 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)