Home Insurance in Kiawah Island, South Carolina
The median home value in Kiawah Island is $2,000,000+.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Kiawah Island was built around 1989. About 0% of homes were built before 1960, about 15 points below Charleston County's 15%.
In Kiawah Island, the housing stock is 72% single-family homes and 24% apartments in buildings with 5+ units.
In Kiawah Island, about 46% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 69%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 99% of occupied homes in Kiawah Island are owner-occupied.
Most homes in Kiawah Island - 84% - 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.
What's the biggest home insurance risk near Kiawah Island? FEMA's National Risk Index points to coastal flooding (Very High) in Charleston County and 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 | $2,000,000+ |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 99% |
| Share of owner-occupied homes with a mortgage | 46% |
| 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)