Home Insurance in Mount Pleasant, South Carolina
The median home value in Mount Pleasant is $748,500, 53% higher than the Charleston County median.
The typical home in Mount Pleasant was built around 2000. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 5% of homes were built before 1960, about 10 points below Charleston County's 15%.
The housing stock in Mount Pleasant is 76% single-family homes, 21% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
73% of owner-occupied homes in Mount Pleasant carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Mount Pleasant has an owner-occupancy rate of 74% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Mount Pleasant, 77% of homes are primarily heated with electricity.
Charleston County had 59,025 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is coastal flooding (Very High). 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 | $748,500 |
|---|---|
| Median year built | 2000 |
| Owner-occupied share | 74% |
| Share of owner-occupied homes with a mortgage | 73% |
| 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
- Sullivan's Island
- Charleston
- James Island
- Isle of Palms
- Folly Beach
- Hanahan
- North Charleston
- Goose Creek
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)