Home Insurance in Moncks Corner, South Carolina
With a median home value of $333,200, Moncks Corner is 7% higher than the Berkeley County median.
The typical home in Moncks Corner was built around 2007. About 9% of homes were built before 1960, about 5 points above Berkeley County's 4%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Moncks Corner is 82% single-family homes, 6% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
78% of owner-occupied homes in Moncks Corner carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 74% of occupied homes in Moncks Corner are owner-occupied. The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Moncks Corner - 75% - are primarily heated with electricity.
Berkeley County had 7,048 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). 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 | $333,200 |
|---|---|
| Median year built | 2007 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 78% |
| 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
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)