Home Insurance in Colleton County, South Carolina
With a median home value of $162,500, Colleton County is 37% lower than the South Carolina median.
The typical home in Colleton County was built around 1987. About 14% of homes were built before 1960, about 1 point above South Carolina's 12%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Colleton County is 57% single-family homes, 4% apartments in buildings with 5+ units and 36% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Colleton County, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Colleton County has an owner-occupancy rate of 73% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Colleton County - 79% - 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.
Per FEMA's National Risk Index, Colleton County's top hazards are hurricane (Relatively High), earthquake (Relatively Moderate) and wildfire (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Colleton County has 1,877 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood 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 | $162,500 |
|---|---|
| Median year built | 1987 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Earthquake (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 1,877 |
| Home insurance premium | $1,753 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)