Home Insurance in Hardeeville, South Carolina
The median home value in Hardeeville is $488,900, 50% higher than the Jasper County median.
Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. The typical home in Hardeeville was built around 2014. About 3% of homes were built before 1960, about 2 points below Jasper County's 5%.
In Hardeeville, the housing stock is 71% single-family homes, 19% apartments in buildings with 5+ units and 6% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
64% of owner-occupied homes in Hardeeville carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
About 77% of occupied homes in Hardeeville are owner-occupied. The vacancy rate is 9%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Hardeeville - 53% - are primarily heated with electricity.
Jasper County's top FEMA-rated hazard is hurricane (Relatively High), per FEMA's National Risk Index. Jasper County had 1,938 active NFIP flood policies as of September 2026. See the full Jasper 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 | $488,900 |
|---|---|
| Median year built | 2014 |
| Owner-occupied share | 77% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Jasper County | 1,938 |
| 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)