Home Insurance in St. George, South Carolina
With a median home value of $113,500, St. George is 66% lower than the Dorchester County median.
The typical home in St. George was built around 1977. About 26% of homes were built before 1960, about 22 points above Dorchester County's 4%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in St. George is 57% single-family homes, 7% apartments in buildings with 5+ units and 22% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 44% of owner-occupied homes in St. George have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 49% of occupied homes in St. George are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in St. George - 73% - 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.
Dorchester County's top FEMA-rated hazard is earthquake (Relatively Moderate), per FEMA's National Risk Index. Dorchester County had 2,974 active NFIP flood policies as of September 2026. See the full Dorchester County home insurance overview for all FEMA hazard ratings and flood coverage details. Earthquake damage is excluded from a standard homeowners 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 | $113,500 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 49% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Earthquake (Relatively Moderate) |
| Active NFIP policies in Dorchester County | 2,974 |
| 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)