Home Insurance in McBee, South Carolina
With a median home value of $89,300, McBee is 23% lower than the Chesterfield County median.
The typical home in McBee was built around 1982. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 24% of homes were built before 1960, about 8 points above Chesterfield County's 16%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in McBee is 55% single-family homes and 45% mobile or manufactured homes.
In McBee, about 36% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 5%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 58% of occupied homes in McBee are owner-occupied.
In McBee, 79% of homes are primarily heated with electricity.
Chesterfield County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. Chesterfield County had 19 active NFIP flood policies as of September 2026. See the full Chesterfield County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $89,300 |
|---|---|
| Median year built | 1982 |
| Owner-occupied share | 58% |
| Share of owner-occupied homes with a mortgage | 36% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Chesterfield County | 19 |
| 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)