Home Insurance in Loris, South Carolina
Homes in Loris carry a median value of $214,300 - 26% lower than the Horry County median.
The typical home in Loris was built around 1978. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 20% of homes were built before 1960, about 16 points above Horry County's 4%.
The housing stock in Loris is 66% single-family homes, 9% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 61% of owner-occupied homes in Loris have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 8%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 56% of occupied homes in Loris are owner-occupied.
Most homes in Loris - 94% - 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.
In South Carolina, the statewide average premium for a standard HO-3 homeowners policy is $1,753 per year (NAIC, 2023 data).
Key figures
| Median home value | $214,300 |
|---|---|
| Median year built | 1978 |
| Owner-occupied share | 56% |
| 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)