Home Insurance in Stuckey, South Carolina
Homes in Stuckey carry a median value of $92,700 - 11% lower than the Williamsburg County median.
The typical home in Stuckey was built around 1977. Older homes can cost more to insure or rebuild because of aging wiring, roofing and plumbing. About 9% of homes were built before 1960, about 5 points below Williamsburg County's 14%.
The housing stock in Stuckey is 65% single-family homes and 34% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
7% of owner-occupied homes in Stuckey carry a mortgage, and mortgage lenders require hazard insurance for as long as the loan is active.
Stuckey has an owner-occupancy rate of 91% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
Most homes in Stuckey - 68% - 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.
Williamsburg County had 106 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively High). See the full Williamsburg 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 | $92,700 |
|---|---|
| Median year built | 1977 |
| Owner-occupied share | 91% |
| Share of owner-occupied homes with a mortgage | 7% |
| Top county hazard | Hurricane (Relatively High) |
| Active NFIP policies in Williamsburg County | 106 |
| 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)