Home Insurance in Surfside Beach, South Carolina
The median home value in Surfside Beach is $450,100, 56% higher than the Horry County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Surfside Beach was built around 1985. About 10% of homes were built before 1960, about 6 points above Horry County's 4%.
Housing in Surfside Beach breaks down to 62% single-family homes, 20% apartments in buildings with 5+ units and 2% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
38% of owner-occupied homes in Surfside Beach carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Surfside Beach has an owner-occupancy rate of 67% and a vacancy rate of 52%; unoccupied homes typically need a different coverage form.
In Surfside Beach, 94% 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.
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 | $450,100 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 67% |
| Share of owner-occupied homes with a mortgage | 38% |
| 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
- Pawleys Island
- Conway
- Briarcliffe Acres
- Atlantic Beach
- North Myrtle Beach
- Georgetown
- Aynor
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)