Home Insurance in Luray, South Carolina
With a median home value of $158,600, Luray is 42% higher than the Hampton County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Luray was built around 1994. About 16% of homes were built before 1960, in line with Hampton County (17%).
The housing stock in Luray is 39% single-family homes and 61% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Luray, about 21% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Luray has an owner-occupancy rate of 87% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
92% of homes in Luray 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.
Hampton County's top FEMA-rated hazard is hurricane (Relatively Moderate), per FEMA's National Risk Index. 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.
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 | $158,600 |
|---|---|
| Median year built | 1994 |
| Owner-occupied share | 87% |
| Share of owner-occupied homes with a mortgage | 21% |
| 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)