Home Insurance in St. Stephen, South Carolina
With a median home value of $100,000, St. Stephen is 68% lower than the Berkeley County median.
The typical home in St. Stephen was built around 1985. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 10% of homes were built before 1960, about 6 points above Berkeley County's 4%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in St. Stephen is 45% single-family homes, 5% apartments in buildings with 5+ units and 36% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 39% of owner-occupied homes in St. Stephen have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
St. Stephen has an owner-occupancy rate of 59% and a vacancy rate of 25%; unoccupied homes typically need a different coverage form.
96% of homes in St. Stephen 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.
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 | $100,000 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 59% |
| Share of owner-occupied homes with a mortgage | 39% |
| 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)