Home Insurance in Aynor, South Carolina
The median home value in Aynor is $255,700, 11% lower than the Horry County median.
The typical home in Aynor was built around 1999. About 13% of homes were built before 1960, about 9 points above Horry County's 4%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Aynor, the housing stock is 88% single-family homes, 10% apartments in buildings with 5+ units and 2% mobile or manufactured homes.
61% of owner-occupied homes in Aynor carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Aynor has an owner-occupancy rate of 75% and a vacancy rate of 7%; unoccupied homes typically need a different coverage form.
In Aynor, 96% of homes are primarily heated with electricity.
FEMA rates Horry County's overall risk as Relatively High, led by hurricane (Very High). Horry County had 51,979 active NFIP flood policies as of September 2026. 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 | $255,700 |
|---|---|
| Median year built | 1999 |
| Owner-occupied share | 75% |
| Share of owner-occupied homes with a mortgage | 61% |
| 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)