Home Insurance in Awendaw, South Carolina
The median home value in Awendaw is $399,200, 18% lower than the Charleston County median.
The typical home in Awendaw was built around 2001. About 11% of homes were built before 1960, about 3 points below Charleston County's 15%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Awendaw is 84% single-family homes and 15% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 49% of owner-occupied homes in Awendaw have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 94% of occupied homes in Awendaw are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Awendaw - 78% - are primarily heated with electricity. Homes heated with propane and wood can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Charleston County's top FEMA-rated hazard is coastal flooding (Very High), per FEMA's National Risk Index. Charleston County had 59,025 active NFIP flood policies as of September 2026. See the full Charleston County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
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 | $399,200 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Coastal Flooding (Very High) |
| Active NFIP policies in Charleston County | 59,025 |
| Home insurance premium | $1,753 - statewide average (NAIC, 2023 data) |
Nearby towns
- Isle of Palms
- Mount Pleasant
- Sullivan's Island
- Hanahan
- Goose Creek
- Charleston
- Jamestown
- 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)