Home Insurance in Hampton, South Carolina
The median home value in Hampton is $206,400, 84% higher than the Hampton County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hampton was built around 1984. About 22% of homes were built before 1960, about 5 points above Hampton County's 17%.
In Hampton, the housing stock is 66% single-family homes, 9% apartments in buildings with 5+ units and 9% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Hampton, about 44% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Hampton has an owner-occupancy rate of 67% and a vacancy rate of 14%; unoccupied homes typically need a different coverage form.
82% of homes in Hampton are primarily heated with electricity.
FEMA rates Hampton County's overall risk as Relatively Low, led by hurricane (Relatively Moderate). Hampton County had 74 active NFIP flood policies as of September 2026. See the full Hampton County home insurance overview for all FEMA hazard ratings and flood coverage details.
In South Carolina, the statewide average premium for a standard HO-3 homeowners policy is $1,753 per year (NAIC, 2023 data).
Key figures
| Median home value | $206,400 |
|---|---|
| Median year built | 1984 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 44% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Hampton County | 74 |
| 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)