Home Insurance in Walterboro, South Carolina
Homes in Walterboro carry a median value of $183,500 - 13% higher than the Colleton County median.
The typical home in Walterboro was built around 1976. About 24% of homes were built before 1960, about 11 points above Colleton County's 14%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Walterboro, the housing stock is 70% single-family homes and 19% apartments in buildings with 5+ units. The rest are 2-4 unit or other housing types.
In Walterboro, about 49% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Walterboro has an owner-occupancy rate of 51% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
In Walterboro, 74% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Walterboro? FEMA's National Risk Index points to hurricane (Relatively High) in Colleton County and 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.
In South Carolina, the statewide average premium for a standard HO-3 homeowners policy is $1,753 per year (NAIC, 2023 data).
Key figures
| Median home value | $183,500 |
|---|---|
| Median year built | 1976 |
| Owner-occupied share | 51% |
| Share of owner-occupied homes with a mortgage | 49% |
| 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)