Home Insurance in Williamsburg County, South Carolina
Homes in Williamsburg County carry a median value of $104,500 - 60% lower than the South Carolina median.
The typical home in Williamsburg County was built around 1985. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. About 14% of homes were built before 1960, about 2 points above South Carolina's 12%.
The housing stock in Williamsburg County is 54% single-family homes, 2% apartments in buildings with 5+ units and 39% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Williamsburg County, about 38% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
About 76% of occupied homes in Williamsburg County are owner-occupied. The vacancy rate is 18%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.
Most homes in Williamsburg County - 85% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Per FEMA's National Risk Index, Williamsburg County's top hazards are hurricane (Relatively High), earthquake (Relatively Moderate) and wildfire (Relatively Low). Standard homeowners policies exclude earthquake, so separate coverage is usually needed.
As of September 2026, Williamsburg County has 106 active NFIP flood insurance policies. Standard homeowners insurance does not cover flood damage, so flood coverage needs a separate NFIP or private flood policy.
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 | $104,500 |
|---|---|
| Median year built | 1985 |
| Owner-occupied share | 76% |
| Share of owner-occupied homes with a mortgage | 38% |
| Top hazards (FEMA National Risk Index) | Hurricane (Relatively High), Earthquake (Relatively Moderate), Wildfire (Relatively Low) |
| Active NFIP flood policies (county) | 106 |
| Home insurance premium | $1,753 - statewide average (NAIC, 2023 data) |
Towns and cities
Smaller communities
-
Greeleyville
- Median home value: $150,900
- Median year built: 1976
- Owner-occupied share: 71%
-
Hemingway
- Median home value: $172,300
- Median year built: 1965
- Owner-occupied share: 71%
Sources
- 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)