Home Insurance in Atlantic Beach, South Carolina
With a median home value of $385,000, Atlantic Beach is 34% higher than the Horry County median.
The typical home in Atlantic Beach was built around 1974. About 13% of homes were built before 1960, about 9 points above Horry County's 4%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
The housing stock in Atlantic Beach is 45% single-family homes, 46% apartments in buildings with 5+ units and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 56% of owner-occupied homes in Atlantic Beach have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 56%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 23% of occupied homes in Atlantic Beach are owner-occupied.
In Atlantic Beach, 93% of homes are primarily heated with electricity.
Horry County had 51,979 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Very High). See the full Horry County home insurance overview for all FEMA hazard ratings and flood coverage details.
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 | $385,000 |
|---|---|
| Median year built | 1974 |
| Owner-occupied share | 23% |
| Share of owner-occupied homes with a mortgage | 56% |
| Top county hazard | Hurricane (Very High) |
| Active NFIP policies in Horry County | 51,979 |
| 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)