Home Insurance in Hampton County, South Carolina
Homes in Hampton County carry a median value of $112,000 - 57% lower 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 Hampton County was built around 1984. About 17% of homes were built before 1960, about 5 points above South Carolina's 12%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hampton County is 57% single-family homes, 3% apartments in buildings with 5+ units and 35% mobile or manufactured homes.
35% of owner-occupied homes in Hampton County carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 73% of occupied homes in Hampton County are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. In Hampton County, 80% of homes are primarily heated with electricity.
FEMA's National Risk Index lists hurricane (Relatively Moderate), earthquake (Relatively Low) and wildfire (Relatively Low) as the leading hazards for Hampton County. Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Hampton County has 74 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $112,000 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 35% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively Moderate), Earthquake (Relatively Low), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 74 |
| 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)