South Carolina
Home insurance overview — 367 ZIP codes, 291 cities
Avg Premium (2025 Est.)
$1,960
+11.1% from 2022
Nonrenewal Rate
3.98%
5yr Storm Damage
$179.4M
South Carolina Risk Map
Cities
| City | ZIP Codes | Avg Premium | Stress Score | Risk |
|---|---|---|---|---|
| Surfside Beach | 1 | $2,601 | 79 | High |
| Myrtle Beach | 2 | $3,035 | 77 | High |
| Murrells Inlet | 1 | $2,453 | 75 | High |
| Isle of Palms | 1 | $9,193 | 72 | High |
| Daufuskie Island | 1 | $11,105 | 71 | High |
| Port Royal | 2 | $2,775 | 71 | High |
| Rockville | 1 | $4,337 | 71 | High |
| North Myrtle Beach | 2 | $2,266 | 70 | High |
| Seabrook | 1 | $2,936 | 70 | High |
| Hilton Head Island | 2 | $6,420 | 69 | High |
| McClellanville | 1 | $3,487 | 69 | High |
| Fripp Island | 1 | $4,259 | 69 | High |
| Beaufort | 4 | $5,489 | 69 | High |
| Mount Pleasant | 2 | $4,117 | 68 | High |
| Edisto Beach | 1 | $3,957 | 68 | High |
| Socastee | 1 | $2,110 | 68 | High |
| Little River | 1 | $1,983 | 67 | High |
| Williams | 1 | $2,096 | 67 | High |
| Russellville | 1 | $2,194 | 66 | High |
| Loris | 1 | $1,926 | 66 | High |
| Ehrhardt | 1 | $1,900 | 65 | High |
| Hollywood | 1 | $3,353 | 65 | High |
| Georgetown | 1 | $3,003 | 65 | High |
| Charleston | 7 | $5,534 | 65 | High |
| Bluffton | 1 | $2,883 | 65 | High |
| Carolina Forest | 1 | $2,286 | 65 | High |
| Ketchuptown | 1 | $1,901 | 65 | High |
| Andrews | 1 | $2,249 | 65 | High |
| Reevesville | 1 | $1,754 | 64 | High |
| Jamestown | 1 | $2,199 | 64 | High |
| Six Mile | 2 | $2,740 | 64 | High |
| Ravenel | 1 | $2,587 | 64 | High |
| Fairfax | 1 | $1,911 | 64 | High |
| Glenn Springs | 1 | $1,553 | 63 | High |
| Ridgeland | 2 | $2,189 | 63 | High |
| Awendaw | 2 | $2,838 | 63 | High |
| West Union | 1 | $1,712 | 63 | High |
| Pinopolis | 3 | $2,292 | 62 | High |
| Aynor | 2 | $1,787 | 62 | High |
| Olanta | 1 | $1,926 | 62 | High |
| Green Sea | 1 | $2,109 | 62 | High |
| Adams Run | 1 | $2,198 | 62 | High |
| Tega Cay | 1 | $1,939 | 61 | High |
| Hanahan | 1 | $2,302 | 61 | High |
| North Charleston | 6 | $2,125 | 61 | High |
| Litchfield Beach | 1 | $3,986 | 61 | High |
| Walterboro | 1 | $2,017 | 61 | High |
| Holly Hill | 1 | $1,846 | 61 | High |
| Allendale | 1 | $1,874 | 61 | High |
| Seneca | 2 | $1,785 | 61 | High |
| Clio | 1 | $1,692 | 61 | High |
| Vance | 1 | $1,692 | 61 | High |
| Marion | 1 | $1,895 | 60 | Elevated |
| Santee | 1 | $1,812 | 60 | Elevated |
| Conway | 2 | $1,776 | 60 | Elevated |
| Folly Beach | 1 | $5,701 | 60 | Elevated |
| St. George | 1 | $1,899 | 60 | Elevated |
| Westminster | 1 | $1,496 | 60 | Elevated |
| Mullins | 1 | $1,889 | 60 | Elevated |
| Rowesville | 1 | $1,594 | 60 | Elevated |
| Lake City | 2 | $1,948 | 60 | Elevated |
| Harleyville | 2 | $1,922 | 60 | Elevated |
| Orangeburg | 2 | $1,804 | 60 | Elevated |
| Hampton | 1 | $1,819 | 60 | Elevated |
| Lake Wylie | 1 | $1,769 | 60 | Elevated |
| Daviston | 1 | $1,668 | 60 | Elevated |
| Sharon | 1 | $1,486 | 59 | Elevated |
| Yemassee | 2 | $2,122 | 59 | Elevated |
| Bonneau | 1 | $2,045 | 59 | Elevated |
| Johnsonville | 1 | $1,911 | 59 | Elevated |
| Stuckey | 2 | $1,805 | 59 | Elevated |
| Gantt | 1 | $1,682 | 59 | Elevated |
| Catawba | 2 | $1,459 | 59 | Elevated |
| Jacksonboro | 1 | $1,897 | 59 | Elevated |
| Fair Play | 2 | $1,702 | 59 | Elevated |
| Dentsville | 1 | $1,829 | 58 | Elevated |
| Sullivan's Island | 1 | $16,256 | 58 | Elevated |
| Norway | 1 | $1,527 | 58 | Elevated |
| Elloree | 1 | $1,507 | 58 | Elevated |
| Cameron | 1 | $1,898 | 58 | Elevated |
| Keowee Key | 1 | $2,336 | 58 | Elevated |
| Varnville | 1 | $1,814 | 58 | Elevated |
| Florence | 3 | $1,831 | 57 | Elevated |
| Sellers | 1 | $1,632 | 57 | Elevated |
| Wade Hampton | 1 | $1,840 | 57 | Elevated |
| Homeland Park | 1 | $1,552 | 57 | Elevated |
| Rock Hill | 2 | $1,544 | 57 | Elevated |
| Boykin | 1 | $1,809 | 57 | Elevated |
| Summerville | 1 | $2,046 | 57 | Elevated |
| Spartanburg | 4 | $1,571 | 57 | Elevated |
| Campobello | 1 | $1,507 | 57 | Elevated |
| Greenville | 3 | $1,808 | 57 | Elevated |
| Lake View | 2 | $1,824 | 57 | Elevated |
| Eutawville | 1 | $1,724 | 56 | Elevated |
| Ridgeville | 1 | $1,892 | 56 | Elevated |
| York | 1 | $1,530 | 56 | Elevated |
| Bowman | 1 | $1,659 | 56 | Elevated |
| Landrum | 1 | $1,820 | 56 | Elevated |
| Coward | 1 | $1,856 | 56 | Elevated |
| Branchville | 1 | $1,555 | 56 | Elevated |
| Forest Acres | 1 | $2,084 | 56 | Elevated |
| Great Falls | 1 | $1,496 | 56 | Elevated |
| Springfield | 1 | $1,562 | 56 | Elevated |
| Kingstree | 1 | $1,906 | 56 | Elevated |
| Bamberg | 1 | $1,493 | 55 | Elevated |
| Pamplico | 1 | $1,815 | 55 | Elevated |
| Chesnee | 1 | $1,420 | 55 | Elevated |
| Fort Mill | 2 | $1,703 | 55 | Elevated |
| Lamar | 1 | $1,692 | 55 | Elevated |
| Calhoun Falls | 1 | $1,326 | 55 | Elevated |
| Latta | 1 | $1,766 | 55 | Elevated |
| St. Matthews | 1 | $1,780 | 55 | Elevated |
| Timmonsville | 1 | $1,676 | 55 | Elevated |
| Caesars Head | 1 | $1,661 | 55 | Elevated |
| Hickory Grove | 1 | $1,392 | 55 | Elevated |
| Dovesville | 1 | $1,675 | 54 | Elevated |
| Barnwell | 1 | $1,554 | 54 | Elevated |
| Moncks Corner | 1 | $1,983 | 54 | Elevated |
| Modoc | 1 | $1,851 | 54 | Elevated |
| Williston | 1 | $1,551 | 54 | Elevated |
| Southern Shops | 1 | $1,275 | 54 | Elevated |
| Wellford | 1 | $1,252 | 54 | Elevated |
| Walhalla | 2 | $1,379 | 54 | Elevated |
| Anderson | 2 | $1,472 | 54 | Elevated |
| Due West | 1 | $1,618 | 54 | Elevated |
| Hardeeville | 1 | $1,781 | 54 | Elevated |
| Sumter | 2 | $1,692 | 54 | Elevated |
| Brunson | 1 | $1,643 | 54 | Elevated |
| Danwood | 1 | $1,608 | 54 | Elevated |
| Dillon | 1 | $1,759 | 54 | Elevated |
| Slater-Marietta | 2 | $1,383 | 54 | Elevated |
| Blackville | 1 | $1,533 | 54 | Elevated |
| Langley | 1 | $1,291 | 54 | Elevated |
| Shiloh | 1 | $1,726 | 54 | Elevated |
| Hopkins | 1 | $1,637 | 54 | Elevated |
| Pinewood | 1 | $1,590 | 53 | Elevated |
| Columbia | 10 | $1,644 | 53 | Elevated |
| The Cliffs Valley | 1 | $1,596 | 53 | Elevated |
| Central | 1 | $1,471 | 53 | Elevated |
| McConnells | 1 | $1,425 | 53 | Elevated |
| Cottageville | 1 | $1,887 | 53 | Elevated |
| Smoaks | 1 | $1,636 | 53 | Elevated |
| Hartsville | 1 | $1,793 | 53 | Elevated |
| Denmark | 1 | $1,467 | 53 | Elevated |
| Drayton | 1 | $1,209 | 53 | Elevated |
| Cope | 1 | $1,443 | 53 | Elevated |
| Swansea | 1 | $1,480 | 53 | Elevated |
| Five Forks | 1 | $1,736 | 53 | Elevated |
| Greer | 2 | $1,594 | 53 | Elevated |
| Roebuck | 2 | $1,418 | 53 | Elevated |
| Johnston | 1 | $1,565 | 52 | Elevated |
| Woodruff | 1 | $1,374 | 52 | Elevated |
| Arcadia | 1 | $1,194 | 52 | Elevated |
| Starr | 1 | $1,430 | 52 | Elevated |
| Gilbert | 1 | $1,562 | 52 | Elevated |
| Longcreek | 1 | $1,940 | 52 | Elevated |
| McBee | 1 | $1,623 | 52 | Elevated |
| Duncan | 1 | $1,323 | 52 | Elevated |
| Estill | 1 | $1,771 | 52 | Elevated |
| Greenwood | 2 | $1,502 | 52 | Elevated |
| Piedmont | 1 | $1,419 | 52 | Elevated |
| Smyrna | 1 | $1,320 | 52 | Elevated |
| Privateer | 1 | $1,589 | 52 | Elevated |
| Clemson | 1 | $1,689 | 52 | Elevated |
| Winnsboro | 2 | $1,620 | 52 | Elevated |
| Cordova | 1 | $1,435 | 52 | Elevated |
| Bethune | 1 | $1,546 | 52 | Elevated |
| Blythewood | 3 | $1,724 | 52 | Elevated |
| Darlington | 1 | $1,713 | 52 | Elevated |
| Ware Place | 1 | $1,411 | 52 | Elevated |
| Parker | 1 | $1,278 | 52 | Elevated |
| Islandton | 1 | $1,952 | 52 | Elevated |
| Blenheim | 1 | $1,401 | 52 | Elevated |
| Dalzell | 1 | $1,578 | 52 | Elevated |
| Mauldin | 1 | $1,411 | 51 | Elevated |
| Lake Murray of Richland | 1 | $1,746 | 51 | Elevated |
| Alcolu | 2 | $1,744 | 51 | Elevated |
| Simpsonville | 1 | $1,481 | 51 | Elevated |
| Fountain Inn | 1 | $1,421 | 51 | Elevated |
| Bradley | 1 | $1,423 | 51 | Elevated |
| North | 1 | $1,509 | 51 | Elevated |
| Goose Creek | 2 | $1,809 | 51 | Elevated |
| Centerville | 1 | $1,466 | 51 | Elevated |
| Inman | 1 | $1,364 | 51 | Elevated |
| Ware Shoals | 1 | $1,383 | 51 | Elevated |
| Fort Lawn | 1 | $1,408 | 50 | Elevated |
| Chester | 1 | $1,445 | 50 | Elevated |
| Enoree | 1 | $1,348 | 50 | Elevated |
| Honea Path | 1 | $1,371 | 50 | Elevated |
| Kershaw | 1 | $1,463 | 50 | Elevated |
| Wisacky | 1 | $1,592 | 50 | Elevated |
| Jefferson | 1 | $1,439 | 50 | Elevated |
| McColl | 1 | $1,423 | 50 | Elevated |
| Irmo | 1 | $1,680 | 50 | Elevated |
| Williamston | 1 | $1,490 | 50 | Elevated |
| Gadsden | 1 | $1,509 | 50 | Elevated |
| New Ellenton | 1 | $1,439 | 50 | Elevated |
| Belton | 1 | $1,416 | 50 | Elevated |
| Lexington | 1 | $1,700 | 50 | Elevated |
| Berea | 1 | $1,257 | 49 | Elevated |
| Easley | 1 | $1,393 | 49 | Elevated |
| Pendleton | 1 | $1,392 | 49 | Elevated |
| Carlisle | 1 | $1,530 | 49 | Elevated |
| West Columbia | 1 | $1,386 | 49 | Elevated |
| Liberty | 1 | $1,324 | 49 | Elevated |
| Powdersville | 1 | $1,543 | 49 | Elevated |
| Pine Ridge | 1 | $1,386 | 49 | Elevated |
| Windsor | 1 | $1,519 | 49 | Elevated |
| Oak Grove | 1 | $1,449 | 49 | Elevated |
| Gaffney | 2 | $1,419 | 49 | Elevated |
| Neeses | 1 | $1,413 | 49 | Elevated |
| Greeleyville | 1 | $1,823 | 48 | Elevated |
| Camden | 3 | $1,483 | 48 | Elevated |
| Bennettsville | 1 | $1,511 | 48 | Elevated |
| Boiling Springs | 1 | $1,280 | 48 | Elevated |
| Gaston | 1 | $1,383 | 48 | Elevated |
| Pacolet | 1 | $1,331 | 48 | Elevated |
| Tamassee | 1 | $1,490 | 48 | Elevated |
| Cayce | 1 | $1,326 | 48 | Elevated |
| Taylors | 1 | $1,389 | 48 | Elevated |
| Joanna | 2 | $1,367 | 48 | Elevated |
| Batesburg-Leesville | 1 | $1,436 | 48 | Elevated |
| Van Wyck | 1 | $1,488 | 48 | Elevated |
| Ridge Spring | 1 | $1,477 | 48 | Elevated |
| Lugoff | 1 | $1,499 | 48 | Elevated |
| Lane | 1 | $1,888 | 47 | Elevated |
| Lyman | 1 | $1,261 | 47 | Elevated |
| Abbeville | 1 | $1,392 | 47 | Elevated |
| Wagener | 1 | $1,533 | 47 | Elevated |
| Norris | 1 | $1,180 | 47 | Elevated |
| Society Hill | 1 | $1,574 | 47 | Elevated |
| Fairview Crossroads | 1 | $1,445 | 46 | Elevated |
| Cowpens | 1 | $1,307 | 46 | Elevated |
| Pageland | 1 | $1,325 | 46 | Elevated |
| Lake Secession | 1 | $1,298 | 46 | Elevated |
| Red Bank | 1 | $1,358 | 46 | Elevated |
| Pomaria | 1 | $1,471 | 46 | Elevated |
| Beech Island | 1 | $1,463 | 46 | Elevated |
| Clinton | 1 | $1,385 | 46 | Elevated |
| Jenkinsville | 2 | $1,502 | 46 | Elevated |
| Wedgefield | 1 | $1,565 | 46 | Elevated |
| Aiken | 3 | $1,584 | 46 | Elevated |
| Ninety Six | 1 | $1,553 | 45 | Elevated |
| Graniteville | 1 | $1,400 | 45 | Elevated |
| Gloverville | 2 | $1,301 | 45 | Elevated |
| North Augusta | 2 | $1,551 | 45 | Elevated |
| Startex | 1 | $1,207 | 45 | Elevated |
| Blacksburg | 1 | $1,352 | 45 | Elevated |
| Cheraw | 1 | $1,575 | 45 | Elevated |
| Richburg | 1 | $1,518 | 45 | Elevated |
| Waterloo | 1 | $1,368 | 45 | Elevated |
| Perry | 1 | $1,369 | 45 | Elevated |
| Edgefield | 1 | $1,563 | 45 | Elevated |
| Pickens | 1 | $1,347 | 45 | Elevated |
| Turbeville | 2 | $1,848 | 44 | Elevated |
| Laurens | 1 | $1,399 | 44 | Elevated |
| Chesterfield | 1 | $1,453 | 44 | Elevated |
| North Santee | 1 | $1,576 | 44 | Elevated |
| Hamer | 1 | $1,799 | 44 | Elevated |
| Little Mountain | 1 | $1,445 | 43 | Elevated |
| Wyboo | 1 | $1,628 | 43 | Elevated |
| Newberry | 1 | $1,373 | 43 | Elevated |
| Olar | 1 | $1,349 | 43 | Elevated |
| Mountville | 1 | $1,491 | 43 | Elevated |
| Buffalo | 1 | $1,187 | 42 | Elevated |
| Clarks Hill | 1 | $1,712 | 42 | Elevated |
| St. Charles | 1 | $1,790 | 41 | Elevated |
| Mount Croghan | 1 | $1,631 | 41 | Elevated |
| Donalds | 1 | $1,308 | 41 | Elevated |
| Gray Court | 1 | $1,355 | 41 | Elevated |
| Whitmire | 1 | $1,246 | 41 | Elevated |
| Wallace | 1 | $1,405 | 41 | Elevated |
| Prosperity | 1 | $1,433 | 41 | Elevated |
| Scranton | 1 | $1,741 | 41 | Elevated |
| Union | 1 | $1,310 | 40 | Moderate |
| Hodges | 1 | $1,468 | 40 | Moderate |
| Heath Springs | 1 | $1,517 | 40 | Moderate |
| Patrick | 1 | $1,378 | 40 | Moderate |
| Ward | 1 | $1,400 | 40 | Moderate |
| Trenton | 1 | $1,428 | 39 | Moderate |
| Saluda | 1 | $1,225 | 39 | Moderate |
| Silverstreet | 2 | $1,391 | 38 | Moderate |
| Cross Hill | 1 | $1,443 | 38 | Moderate |
| Pelion | 1 | $1,253 | 37 | Moderate |
| Jonesville | 1 | $1,244 | 37 | Moderate |
| Willington | 1 | $1,359 | 37 | Moderate |
| Jackson | 1 | $1,437 | 35 | Moderate |
| Ruby | 1 | $1,409 | 34 | Moderate |
| Monetta | 1 | $1,387 | 34 | Moderate |
| Plum Branch | 1 | $1,262 | 33 | Moderate |
| Troy | 1 | $1,241 | 27 | Moderate |
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Highest Risk ZIPs
Data Sources & Methodology
Core insurance data: US Treasury Federal Insurance Office (FIO), 2018–2022 — the most comprehensive homeowners insurance dataset ever released, covering 25,500+ ZIP codes and 246M+ policies. This data was collected under a Biden-era initiative (Executive Order 14030) and published January 2025. The Trump administration subsequently removed the report from FIO's website. InsureWatch preserves and builds on this public data.
2023-2025 premium estimates are projected using the FRED CPI for Household Insurance (CUSR0000SEHC01), adjusted for each ZIP's historical growth trend relative to the national rate. Projections are not quotes and actual premiums vary by carrier, coverage, claims history, and property. Storm data: NOAA Storm Events Database, current through 2025. Economic data: FRED (Federal Reserve), current through 2026. Demographics: Census ACS 2022. Insurance Stress Scores are a weighted composite of premium levels, trends, nonrenewal rates, storm exposure, and affordability.