Home Insurance in Williams, South Carolina
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Williams was built around 1955. About 65% of homes were built before 1960, about 51 points above Colleton County's 14%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Williams is 90% single-family homes and 10% mobile or manufactured homes.
In Williams, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Williams has an owner-occupancy rate of 87% and a vacancy rate of 21%; unoccupied homes typically need a different coverage form.
Most homes in Williams - 63% - are primarily heated with electricity. Homes heated with propane and wood 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 Williams? 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.
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 year built | 1955 |
|---|---|
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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)