Home Insurance in Briarcliffe Acres, South Carolina
With a median home value of $760,600, Briarcliffe Acres is 164% higher than the Horry County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Briarcliffe Acres was built around 1977. About 10% of homes were built before 1960, about 5 points above Horry County's 4%.
Housing in Briarcliffe Acres breaks down to 99% single-family homes.
47% of owner-occupied homes in Briarcliffe Acres carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 94% of occupied homes in Briarcliffe Acres are owner-occupied. The vacancy rate is 11%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
99% of homes in Briarcliffe Acres 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.
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 | $760,600 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 94% |
| Share of owner-occupied homes with a mortgage | 47% |
| 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)