Home Insurance in Edisto Beach, South Carolina
With a median home value of $719,200, Edisto Beach is 343% higher than the Colleton County median.
The typical home in Edisto Beach was built around 1989. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 6% of homes were built before 1960, about 7 points below Colleton County's 14%.
Housing in Edisto Beach breaks down to 82% single-family homes and 8% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
About 54% of owner-occupied homes in Edisto Beach have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Edisto Beach has an owner-occupancy rate of 86% and a vacancy rate of 72%; unoccupied homes typically need a different coverage form.
In Edisto Beach, 97% of homes are primarily heated with electricity.
FEMA rates Colleton County's overall risk as Relatively Moderate, led by hurricane (Relatively High). Colleton County had 1,877 active NFIP flood policies as of September 2026. See the full Colleton 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 | $719,200 |
|---|---|
| Median year built | 1989 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Colleton County | 1,877 |
| 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)