Home Insurance in Conway, South Carolina
Homes in Conway carry a median value of $260,900 - 9% lower than the Horry County median.
The typical home in Conway was built around 2001. About 15% of homes were built before 1960, about 11 points above Horry County's 4%. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing.
The housing stock in Conway is 77% single-family homes, 14% apartments in buildings with 5+ units and 1% mobile or manufactured homes.
64% of owner-occupied homes in Conway carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 65% of occupied homes in Conway are owner-occupied.
In Conway, 85% of homes are primarily heated with electricity.
Horry County's top FEMA-rated hazard is hurricane (Very High), per FEMA's National Risk Index. 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 | $260,900 |
|---|---|
| Median year built | 2001 |
| Owner-occupied share | 65% |
| Share of owner-occupied homes with a mortgage | 64% |
| 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
- Myrtle Beach
- Aynor
- Surfside Beach
- Briarcliffe Acres
- Loris
- Atlantic Beach
- North Myrtle Beach
- Johnsonville
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)