Home Insurance in Pawleys Island, South Carolina
With a median home value of $1,694,400, Pawleys Island is 485% higher than the Georgetown County median.
The typical home in Pawleys Island was built around 1977. About 29% of homes were built before 1960, about 21 points above Georgetown County's 8%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Pawleys Island, the housing stock is 86% single-family homes and 13% apartments in buildings with 5+ units.
About 33% of owner-occupied homes in Pawleys Island have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
About 98% of occupied homes in Pawleys Island are owner-occupied. The vacancy rate is 83%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Pawleys Island - 91% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
What's the biggest home insurance risk near Pawleys Island? FEMA's National Risk Index points to hurricane (Very High) in Georgetown County and 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 | $1,694,400 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 98% |
| Share of owner-occupied homes with a mortgage | 33% |
| 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)