Home Insurance in Georgetown County, South Carolina
The median home value in Georgetown County is $289,500, 12% higher than the South Carolina median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Georgetown County was built around 1993. About 8% of homes were built before 1960, about 4 points below South Carolina's 12%.
The housing stock in Georgetown County is 69% single-family homes, 10% apartments in buildings with 5+ units and 17% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
49% of owner-occupied homes in Georgetown County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 27%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 84% of occupied homes in Georgetown County are owner-occupied.
88% of homes in Georgetown County are primarily heated with electricity.
Per FEMA's National Risk Index, Georgetown County's top hazards are hurricane (Very High), earthquake (Relatively Moderate) and wildfire (Relatively Moderate). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
Georgetown County had 8,320 active National Flood Insurance Program policies as of September 2026. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $289,500 |
|---|---|
| Median year built | 1993 |
| Owner-occupied share | 84% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top hazards (FEMA National Risk Index) | Hurricane (Very High), Earthquake (Relatively Moderate), Wildfire (Relatively Moderate) |
| Active NFIP flood policies (county) | 8,320 |
| Home insurance premium | $1,753 - statewide average (NAIC, 2023 data) |
Towns and cities
Sources
- 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)