Home Insurance in Andrews, South Carolina
The median home value in Andrews is $116,400, 60% lower than the Georgetown County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Andrews was built around 1983. About 17% of homes were built before 1960, about 9 points above Georgetown County's 8%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Andrews is 77% single-family homes, 4% apartments in buildings with 5+ units and 18% mobile or manufactured homes.
In Andrews, about 63% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Andrews has an owner-occupancy rate of 66% and a vacancy rate of 15%; unoccupied homes typically need a different coverage form.
Most homes in Andrews - 81% - are primarily heated with electricity.
Georgetown County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. Georgetown County had 8,320 active NFIP flood policies as of September 2026. See the full Georgetown 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 home value | $116,400 |
|---|---|
| Median year built | 1983 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 63% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Georgetown County | 8,320 |
| 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)