Home insurance costs & natural hazards in South Carolina
Plain facts for South Carolina homeowners: what coverage has cost across the state, what flood insurance runs, and which natural hazards matter in each county.
See the numbersHistorical averages, not a quote. Updated Oct 2026.
South Carolina at a glance
Four numbers most homeowners ask about first.
Median ZIP code, per policy per year in 2022 (inflation-adjusted).
Single-family NFIP policies that took effect in 2025.
Median ZIP in 2022. Typical U.S. ZIP: 0.81%.
Counties FEMA rates relatively high or very high on its overall National Risk Index.
What homeowners in South Carolina pay
Each block pairs a short explanation with the data behind it.
Homeowners insurance
The typical South Carolina ZIP code saw homeowners premiums of $1,460 per policy in 2022, 6% below the typical U.S. ZIP code ($1,551). After adjusting for inflation, that figure held roughly steady between 2018 and 2022. The figures come from 367 South Carolina ZIP codes in Treasury's data.
Typical premium per policy
Flood insurance
Standard home policies don't cover floods. 115,489 single-family NFIP policies took effect in South Carolina in 2025, at an average full cost of $1,111, compared with $853 in 2022. About 54% of those policies are for homes in high-risk A or V zones.
Average flood policy cost
Policies by flood zone, 2025
Natural hazards
Bars count how many of South Carolina's 46 counties FEMA rates relatively high or very high for each hazard. The most widespread are ice storm, lightning and hurricane. Open any county for its full hazard profile.
Hazards across South Carolina's counties
South Carolina counties
All 46 counties: typical premium (2022), average flood policy (2025) and FEMA's overall risk rating.
Typical home premium by county, 2022
| County | Premium | Flood | FEMA rating |
|---|---|---|---|
| Abbeville County | $1,187 | $1,440 | Relatively Low |
| Aiken County | $1,310 | $900 | Relatively Moderate |
| Allendale County | $1,700 | — | Very Low |
| Anderson County | $1,300 | $1,112 | Relatively Moderate |
| Bamberg County | $1,371 | $922 | Relatively Low |
| Barnwell County | $1,417 | — | Relatively Low |
| Beaufort County | $2,921 | $1,096 | Relatively High |
| Berkeley County | $1,912 | $864 | Relatively High |
| Calhoun County | $1,653 | $864 | Very Low |
| Charleston County | $3,279 | $1,181 | Relatively High |
| Cherokee County | $1,198 | $1,040 | Relatively Low |
| Chester County | $1,297 | $1,092 | Relatively Low |
| Chesterfield County | $1,311 | $751 | Relatively Low |
| Clarendon County | $1,584 | $780 | Relatively Low |
| Colleton County | $1,808 | $1,626 | Relatively Moderate |
| Darlington County | $1,538 | $1,051 | Relatively Low |
| Dillon County | $1,597 | $957 | Relatively Moderate |
| Dorchester County | $1,783 | $885 | Relatively Moderate |
| Edgefield County | $1,424 | $1,404 | Very Low |
| Fairfield County | $1,395 | $1,403 | Very Low |
| Florence County | $1,617 | $860 | Relatively Moderate |
| Georgetown County | $2,781 | $1,892 | Relatively Moderate |
| Greenville County | $1,408 | $1,036 | Relatively Moderate |
| Greenwood County | $1,336 | $1,079 | Relatively Low |
| Hampton County | $1,643 | $938 | Relatively Low |
| Horry County | $1,880 | $897 | Relatively High |
| Jasper County | $1,724 | $864 | Relatively Low |
| Kershaw County | $1,362 | $1,123 | Relatively Low |
| Lancaster County | $1,345 | $1,020 | Relatively Low |
| Laurens County | $1,232 | $1,230 | Relatively Low |
| Lee County | $1,581 | $732 | Very Low |
| Lexington County | $1,294 | $984 | Relatively Moderate |
| Marion County | $1,614 | $983 | Relatively Low |
| Marlboro County | $1,315 | $1,008 | Relatively Low |
| McCormick County | $1,150 | $1,225 | Very Low |
| Newberry County | $1,275 | $1,158 | Relatively Low |
| Oconee County | $1,382 | $1,163 | Relatively Moderate |
| Orangeburg County | $1,452 | $889 | Relatively Moderate |
| Pickens County | $1,262 | $1,102 | Relatively Low |
| Richland County | $1,491 | $962 | Relatively Moderate |
| Saluda County | $1,287 | $1,110 | Very Low |
| Spartanburg County | $1,225 | $1,006 | Relatively Moderate |
| Sumter County | $1,462 | $712 | Relatively Moderate |
| Union County | $1,129 | — | Relatively Low |
| Williamsburg County | $1,714 | $1,194 | Relatively Moderate |
| York County | $1,322 | $906 | Relatively Moderate |
ZIP codes with the most flood policies
Practical next steps
Simple things South Carolina homeowners can do with this information.
Historical averages, not a quote. Homeowners figures are inflation-adjusted averages from the U.S. Treasury Federal Insurance Office "Supporting Underlying Metrics" (2018–2022, published January 2025). They cover HO-3/HO-5 policies from participating private insurers and exclude state residual-market plans (such as FAIR plans and Citizens), surplus-lines and flood coverage. Treasury notes that individual ZIP codes can contain data anomalies. Your price depends on your home, coverage and insurer.
Sources: U.S. Treasury FIO; FEMA OpenFEMA NFIP Redacted Policies v3 (data as of Sep 8, 2026); FEMA National Risk Index (December 2025); U.S. Census Bureau ZCTA-to-county relationship file (2020) and county adjacency file; GeoNames place names. How we calculate these numbers.
This product uses the FEMA OpenFEMA API and National Risk Index data, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s). SafeHomeFacts is independent and not affiliated with the U.S. Treasury, FEMA or any insurer.