Home Insurance in Summerville, South Carolina
Homes in Summerville carry a median value of $328,100 - close to the Dorchester County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Summerville was built around 2001. About 6% of homes were built before 1960, about 2 points above Dorchester County's 4%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Summerville is 71% single-family homes, 19% apartments in buildings with 5+ units and 5% mobile or manufactured homes.
72% of owner-occupied homes in Summerville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Summerville has an owner-occupancy rate of 69% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Summerville, 79% of homes are primarily heated with electricity.
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.
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 | $328,100 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 69% |
| Share of owner-occupied homes with a mortgage | 72% |
| 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)