Home Insurance in Quinby, South Carolina
The median home value in Quinby is $164,800, 7% lower than the Florence County median.
The typical home in Quinby was built around 1970. About 8% of homes were built before 1960, about 6 points below Florence County's 15%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Quinby is 98% single-family homes.
About 48% of owner-occupied homes in Quinby have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Quinby has an owner-occupancy rate of 91% and a vacancy rate of 17%; unoccupied homes typically need a different coverage form.
81% of homes in Quinby are primarily heated with electricity.
What's the biggest home insurance risk near Quinby? FEMA's National Risk Index points to hurricane (Relatively High) in Florence County and Florence County had 450 active NFIP flood policies as of September 2026. See the full Florence 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 | $164,800 |
|---|---|
| Median year built | 1970 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 48% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Florence County | 450 |
| 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)