Home Insurance in Rockville, South Carolina
With a median home value of $459,100, Rockville is 6% lower than the Charleston County median.
The typical home in Rockville was built around 1975. About 37% of homes were built before 1960, about 22 points above Charleston County's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Rockville is 93% single-family homes and 7% mobile or manufactured homes.
In Rockville, about 57% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Rockville has an owner-occupancy rate of 91% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Rockville - 93% - 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 Rockville? 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 | $459,100 |
|---|---|
| Median year built | 1975 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 57% |
| 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)