Home Insurance in Hollywood, South Carolina
The median home value in Hollywood is $460,100, 6% lower than the Charleston County median.
The typical home in Hollywood was built around 2003. About 5% of homes were built before 1960, about 10 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 Hollywood is 83% single-family homes and 16% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 55% of owner-occupied homes in Hollywood have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 89% of occupied homes in Hollywood are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
In Hollywood, 80% of homes are primarily heated with electricity. Homes heated with propane 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.
The statewide average premium for a standard HO-3 homeowners policy in South Carolina is $1,753 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $460,100 |
|---|---|
| Median year built | 2003 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 55% |
| 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
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)