Home Insurance in Georgetown, South Carolina
Homes in Georgetown carry a median value of $168,100 - 42% lower than the Georgetown County median.
The typical home in Georgetown was built around 1977. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 25% of homes were built before 1960, about 18 points above Georgetown County's 8%.
In Georgetown, the housing stock is 65% single-family homes, 16% apartments in buildings with 5+ units and 11% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 42% of owner-occupied homes in Georgetown have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Georgetown has an owner-occupancy rate of 72% and a vacancy rate of 16%; unoccupied homes typically need a different coverage form.
Most homes in Georgetown - 75% - 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.
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 | $168,100 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 72% |
| Share of owner-occupied homes with a mortgage | 42% |
| 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)