South Carolina Homeowners Insurance

Compiled by PlainInsure · May 15, 2026

U.S. Treasury FIO data for 366 ZIP codes in South Carolina (SC).

The verdict

According to U.S. Treasury FIO filings, South Carolina ranks #25 of 51 by average premium ($1,765/yr) ≠ #1 of 50 by nonrenewal (3.92%). Cost rank is not withdrawal rank.

$1,765
State avg premium (#25 of 51): #1
Nonrenewal of 50 (3.92%): 29401
In-state premium ZIP #1 ($14,548): 29403
In-state nonrenewal ZIP #1 (7.68%)

Premium rank counts states with a reported average premium, highest first, abbreviation tiebreak. Nonrenewal rank counts states that publish a rate. In-state ZIP #1s are separate extracts.

South Carolina vs all states by ZIP-mean homeowners premium

Where this state's average ZIP premium sits among every state that reports one (lower is better for homeowners)

$1,765 Around the middle lower premium than 47% of 51 states

States, banded by ZIP-mean annual homeowners premium (FIO)

Each bar is a $0.001K-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source U.S. Treasury FIO Homeowners Insurance Markets Report · 2018–2022

Homeowners in South Carolina pay an average of $1,765 per year for home insurance - 1% below the national average of $1,776. That ranks South Carolina as the 25th most expensive state out of 51 for homeowners insurance. Between 2018 and 2022, premiums fell by 0.6%; nonrenewal rates climbed by 207.0% over the same period.

On five-year premium growth (2018–2022), South Carolina ranks 46th out of 51 states. Its nonrenewal rate (3.92%) ranks 1st out of 50 - nonrenewal is an early warning indicator of insurer retreat, often tied to disaster risk.

According to the U.S. Department of the Treasury, Federal Insurance Office - "Analyses of U.S. Homeowners Insurance Markets, 2018–2022." Premium values are five-year averages across all ZIP-level observations. See methodology for how the state rank and comparison are calculated.

How South Carolina Compares

vs National Average

$1,765 vs $1,776

1% below national avg

Rank Among States

25th of 51

most expensive for homeowners insurance

Loss Ratio vs National

37.5% vs 58.0%

insurers retain more margin here

Avg Premium

$1,765/yr

National avg: $1,776 (-1% below)

Premium Change

-0.6%

2018-2022 change

Avg Loss Ratio

37.5%

Claims paid vs premiums earned

Nonrenewal Rate

3.92%

+207.0% change

Data Snapshot: South Carolina Homeowners Insurance

Across the 366 South Carolina ZIP codes in the U.S. Treasury FIO data, the average annual home insurance premium is $1,765. That is an average of ZIP codes, in which a ZIP of a few hundred people counts the same as one of tens of thousands. Weighting each ZIP by its population, closer to what a typical South Carolina homeowner pays, gives $2,510 per year. That is 1% below the national average of $1,776 per year reported by the Federal Insurance Office. South Carolina ranks 25th most expensive out of 51 states and territories on annual premium, with ZIP-level observations ranging from $1,032 in 29683 to $14,548 in 29401.

Between 2018 and 2022, average premiums fell by 0.6% in South Carolina, placing the state 46th nationally on five-year premium growth. The state-level loss ratio averaged 37.5%, meaning insurers retained a healthy margin after claims, typical of stable markets. Nonrenewal rates, the share of policies insurers decline to extend at expiration, averaged 3.92% across the ZIP codes that report one, a climb of 207.0% over the study period (ranking 1st out of 50 states).

Within South Carolina, premium dispersion across ZIP codes is substantial: the most expensive ZIP (29401 in Charleston) charges 1309% more than the least expensive (29683 in Slater), reflecting local differences in catastrophe exposure, construction costs, and claims history. The FIO dataset aggregates voluntary reporting from the 40 largest homeowners insurers covering roughly 80% of the U.S. market, so ZIP-level figures represent market averages rather than individual quotes; actual premiums vary with dwelling value, deductible, coverage limits, and insurer-specific underwriting. This page is a FIO registry extract, not a quote or a recommendation.

How to read these figures: state averages on this page are computed from U.S. Treasury Federal Insurance Office data, which the office collects directly from the largest homeowners insurers and reports at the ZIP-code level. A statewide average blends expensive coastal and wildfire-exposed markets with lower-cost inland areas, so the figure is a useful benchmark but will understate what some residents pay and overstate what others pay. The loss ratio is the share of every premium dollar that insurers returned as claims; sustained ratios near or above one signal a market under pressure, where rate increases, tighter underwriting, or nonrenewals tend to follow. Claim frequency and nonrenewal rates show how often policies result in claims and how often insurers decline to renew, both of which track local catastrophe exposure. Treat the state number as a registry average, then open the ZIP table below for the same filing year's local premium and nonrenewal extracts.

Loss Ratio Reading: South Carolina

South Carolina statewide - FIO 2018-2022 average: 38% (Insurer-favorable) - low claim payout, insurer retains a healthy margin.

ZIP Codes Tracked

366

Reporting Period

2018-2022

Source

U.S. Treasury FIO

Premium Trends (2018-2022)

Year	Avg Premium	Median Premium	Loss Ratio	Claim Freq	Nonrenewal
2018	$1,775	$1,463	36.8%	5.13%	1.28%
2019	$1,796 (+1.2%)	$1,473	37.1%	4.08%	1.56%
2020	$1,788 (-0.4%)	$1,478	55.7%	6.09%	1.99%
2021	$1,766 (-1.2%)	$1,447	37.2%	3.56%	3.15%
2022	$1,765 (-0.0%)	$1,459	37.5%	4.25%	3.92%

Average homeowners premium per year in South Carolina.

Most Expensive ZIP Codes in South Carolina

Hilton Head Island, SC

Hilton Head Island, SC

Most Affordable ZIP Codes in South Carolina

All ZIP Codes in South Carolina

366 ZIP codes sorted by premium (highest first). Click column headers to sort.

ZIP	City	Premium	Loss Ratio	Claims	Nonrenewal
29401	Charleston	$14,548	5.0%	1.10%	0.37%
29482	Sullivans Island	$13,528	6.4%	4.48%	0.50%
29941	Sheldon	$11,467	N/A	N/A	1.42%
29915	Daufuskie Island	$9,796	3.7%	1.75%	7.02%
29451	Isle Of Palms	$7,957	12.6%	2.66%	1.95%
29928	Hilton Head Island	$7,594	6.4%	2.10%	5.44%
29439	Folly Beach	$5,023	2.0%	0.61%	0.61%
29455	Johns Island	$4,347	10.6%	2.39%	11.27%
29926	Hilton Head Island	$4,299	20.9%	3.91%	43.85%
29464	Mount Pleasant	$4,198	13.5%	2.38%	9.41%
29487	Wadmalaw Island	$4,017	36.8%	1.78%	3.35%
29920	Saint Helena Island	$3,941	15.7%	2.47%	6.27%
29438	Edisto Island	$3,665	1.9%	1.29%	1.29%
29585	Pawleys Island	$3,621	6.5%	1.98%	1.02%
29403	Charleston	$3,557	18.7%	2.34%	7.68%
29466	Mount Pleasant	$3,344	19.5%	4.01%	27.81%
29429	Awendaw	$3,328	6.9%	1.63%	3.74%
29458	Mc Clellanville	$3,230	7.4%	3.68%	5.83%
29412	Charleston	$3,227	15.8%	3.14%	13.94%
29492	Charleston	$3,205	17.5%	4.05%	21.25%
29449	Hollywood	$3,106	16.3%	4.17%	8.40%
29446	Green Pond	$3,051	12.9%	2.48%	1.65%
29907	Beaufort	$3,017	28.7%	2.68%	4.43%
29685	Sunset	$2,949	27.8%	5.57%	0.98%
29407	Charleston	$2,939	15.4%	2.96%	9.06%
29572	Myrtle Beach	$2,935	8.7%	1.67%	8.12%
29902	Beaufort	$2,825	13.7%	2.45%	4.12%
29440	Georgetown	$2,781	16.0%	3.05%	13.05%
29469	Pinopolis	$2,725	6.8%	1.85%	4.32%
29940	Seabrook	$2,719	22.2%	4.77%	6.53%
29910	Bluffton	$2,670	38.6%	6.42%	27.91%
29470	Ravenel	$2,396	18.7%	2.60%	12.52%
29577	Myrtle Beach	$2,378	9.9%	2.01%	10.88%
29414	Charleston	$2,360	29.9%	4.54%	13.94%
29906	Beaufort	$2,354	17.7%	3.69%	19.24%
29582	North Myrtle Beach	$2,334	13.2%	2.73%	12.95%
29935	Port Royal	$2,278	6.6%	1.64%	5.75%
29909	Okatie	$2,257	19.6%	3.82%	15.87%
29576	Murrells Inlet	$2,230	17.3%	3.43%	5.26%
29575	Myrtle Beach	$2,226	14.8%	3.12%	7.29%
29945	Yemassee	$2,210	17.5%	3.51%	5.61%
29420	North Charleston	$2,154	26.1%	5.56%	11.98%
29410	Hanahan	$2,122	21.8%	3.04%	11.72%
29579	Myrtle Beach	$2,118	32.0%	4.19%	21.55%
29418	North Charleston	$2,047	37.0%	6.01%	12.62%
29676	Salem	$2,043	113.8%	6.45%	0.47%
29510	Andrews	$2,040	29.4%	2.15%	2.87%
29453	Jamestown	$2,037	3.5%	1.47%	5.15%
29426	Adams Run	$2,036	5.1%	1.76%	3.53%
29479	Saint Stephen	$2,032	13.6%	2.86%	3.40%
29405	North Charleston	$2,026	21.0%	4.32%	15.52%
29406	Charleston	$1,953	46.0%	6.56%	12.06%
29588	Myrtle Beach	$1,936	29.3%	4.28%	11.17%
29545	Green Sea	$1,933	153.7%	10.46%	0.65%
29450	Huger	$1,929	7.9%	1.42%	14.57%
29601	Greenville	$1,922	20.6%	3.20%	1.12%
29475	Ruffin	$1,918	11.3%	2.76%	1.84%
29485	Summerville	$1,912	26.0%	4.19%	17.90%
29483	Summerville	$1,896	27.3%	3.93%	16.19%
29431	Bonneau	$1,894	11.6%	1.79%	2.94%
29445	Goose Creek	$1,867	26.1%	3.84%	12.65%
29488	Walterboro	$1,854	35.1%	3.56%	2.39%
29206	Columbia	$1,845	40.5%	4.67%	1.43%
29682	Six Mile	$1,840	26.8%	5.43%	1.68%
29461	Moncks Corner	$1,837	25.7%	3.22%	16.61%
29436	Cross	$1,831	79.2%	3.57%	3.57%
29566	Little River	$1,827	20.9%	3.38%	28.13%
29672	Seneca	$1,820	30.0%	5.46%	1.11%
29468	Pineville	$1,813	5.8%	1.70%	3.98%
29448	Harleyville	$1,813	5.9%	2.25%	0.96%
29936	Ridgeland	$1,799	20.7%	4.23%	11.54%
29569	Loris	$1,780	63.2%	6.90%	4.22%
29560	Lake City	$1,778	22.6%	3.73%	1.63%
29501	Florence	$1,774	34.6%	4.69%	3.72%
29929	Islandton	$1,761	11.3%	2.65%	0.88%
29474	Round O	$1,757	3.6%	2.48%	1.65%
29581	Nichols	$1,756	8.1%	2.00%	3.55%
29472	Ridgeville	$1,753	13.8%	2.50%	5.75%
29435	Cottageville	$1,748	4.4%	1.75%	1.50%
29574	Mullins	$1,740	55.2%	5.17%	2.54%
29590	Salters	$1,739	7.3%	2.76%	1.10%
29556	Kingstree	$1,737	23.3%	3.73%	1.65%
29477	Saint George	$1,737	10.7%	2.58%	2.46%
29916	Early Branch	$1,721	N/A	N/A	1.50%
29456	Ladson	$1,720	27.4%	4.32%	14.32%
29571	Marion	$1,715	23.3%	5.06%	2.10%
29526	Conway	$1,714	63.6%	7.51%	15.04%
29827	Fairfax	$1,703	43.4%	5.49%	2.20%
29114	Olanta	$1,698	28.4%	7.49%	1.32%
29810	Allendale	$1,697	15.2%	6.31%	2.21%
29030	Cameron	$1,697	42.4%	5.86%	2.93%
29437	Dorchester	$1,695	-2.8%	0.60%	1.81%
29555	Johnsonville	$1,695	7.1%	3.34%	2.51%
29205	Columbia	$1,695	25.2%	4.69%	1.15%
29708	Fort Mill	$1,694	51.4%	7.12%	5.16%
29511	Aynor	$1,692	150.3%	10.98%	9.26%
29518	Cades	$1,690	18.3%	2.78%	1.39%
29554	Hemingway	$1,690	21.3%	4.09%	2.10%
29118	Orangeburg	$1,687	34.3%	5.21%	3.32%
29059	Holly Hill	$1,682	14.3%	5.79%	2.89%
29658	Long Creek	$1,675	3.2%	2.94%	N/A
29563	Lake View	$1,663	23.9%	2.83%	1.41%
29081	Ehrhardt	$1,663	10.2%	3.20%	1.60%
29128	Rembert	$1,659	27.9%	6.83%	2.40%
29838	Modoc	$1,656	5.1%	2.50%	2.00%
29162	Turbeville	$1,654	10.0%	3.00%	0.54%
29051	Gable	$1,650	30.5%	3.51%	0.88%
29568	Longs	$1,650	31.4%	3.55%	21.59%
29927	Hardeeville	$1,649	22.0%	2.30%	13.44%
29142	Santee	$1,647	69.5%	10.81%	2.54%
29223	Columbia	$1,646	50.8%	6.24%	5.32%
29924	Hampton	$1,646	75.7%	3.56%	3.35%
29944	Varnville	$1,643	89.9%	6.33%	2.43%
29056	Greeleyville	$1,643	2.4%	2.02%	1.01%
29918	Estill	$1,640	32.9%	4.36%	1.45%
29104	Mayesville	$1,637	18.1%	2.50%	0.63%
29356	Landrum	$1,629	19.8%	4.20%	1.41%
29505	Florence	$1,626	27.4%	4.25%	3.04%
29471	Reevesville	$1,625	32.8%	1.21%	1.82%
29150	Sumter	$1,624	51.0%	4.31%	3.55%
29565	Latta	$1,620	29.2%	3.26%	1.57%
29544	Galivants Ferry	$1,618	108.3%	9.22%	8.53%
29583	Pamplico	$1,617	8.6%	2.78%	1.11%
29111	New Zion	$1,616	30.7%	4.38%	N/A
29550	Hartsville	$1,615	82.1%	10.55%	1.55%
29135	Saint Matthews	$1,609	40.7%	4.90%	1.49%
29615	Greenville	$1,601	37.9%	4.40%	1.51%
29547	Hamer	$1,597	22.9%	5.02%	0.39%
29506	Florence	$1,596	22.6%	4.45%	2.27%
29580	Nesmith	$1,592	9.6%	1.63%	2.44%
29536	Dillon	$1,591	31.8%	3.81%	1.90%
29543	Fork	$1,584	519.2%	4.60%	1.15%
29080	Lynchburg	$1,581	52.0%	6.33%	1.67%
29074	Liberty Hill	$1,579	18.1%	6.58%	N/A
29530	Coward	$1,577	98.0%	1.82%	1.09%
29527	Conway	$1,575	78.9%	10.09%	12.49%
29048	Eutawville	$1,572	21.4%	4.26%	1.82%
29036	Chapin	$1,570	23.1%	3.19%	4.45%
29016	Blythewood	$1,570	35.8%	4.04%	8.16%
29710	Clover	$1,570	43.3%	4.61%	6.18%
29163	Vance	$1,567	28.2%	9.00%	2.00%
29229	Columbia	$1,559	52.8%	6.52%	8.71%
29591	Scranton	$1,558	12.7%	2.81%	0.56%
29532	Darlington	$1,556	20.2%	4.03%	1.46%
29001	Alcolu	$1,552	21.9%	4.48%	2.07%
29115	Orangeburg	$1,547	49.6%	4.81%	4.14%
29069	Lamar	$1,538	31.4%	7.42%	2.28%
29018	Bowman	$1,536	16.8%	5.13%	1.42%
29643	Fair Play	$1,536	39.0%	4.62%	1.38%
29803	Aiken	$1,535	27.1%	4.17%	1.16%
29525	Clio	$1,532	93.5%	4.19%	1.57%
29821	Clarks Hill	$1,530	6.6%	2.07%	1.38%
29715	Fort Mill	$1,529	63.5%	7.13%	7.16%
29302	Spartanburg	$1,524	26.0%	4.17%	2.38%
29161	Timmonsville	$1,523	33.1%	4.69%	3.08%
29650	Greer	$1,519	31.9%	3.17%	2.39%
29681	Simpsonville	$1,518	51.9%	5.67%	2.88%
29130	Ridgeway	$1,517	84.7%	3.61%	1.97%
29481	Smoaks	$1,516	27.9%	5.04%	1.44%
29540	Darlington	$1,513	23.0%	4.57%	1.47%
29212	Columbia	$1,512	41.0%	4.43%	4.84%
29592	Sellers	$1,512	8.7%	2.73%	N/A
29072	Lexington	$1,511	53.9%	6.03%	4.77%
29063	Irmo	$1,506	40.6%	4.23%	6.09%
29044	Eastover	$1,505	27.7%	6.15%	1.38%
29546	Gresham	$1,505	73.8%	4.11%	1.83%
29102	Manning	$1,498	77.5%	4.86%	0.93%
29911	Brunson	$1,496	9.0%	3.11%	1.24%
29635	Cleveland	$1,496	149.0%	6.25%	0.83%
29605	Greenville	$1,492	43.7%	5.31%	2.21%
29631	Clemson	$1,477	57.4%	4.68%	1.24%
29133	Rowesville	$1,476	2.7%	0.85%	1.69%
29209	Columbia	$1,476	52.3%	5.20%	4.36%
29010	Bishopville	$1,475	22.9%	5.07%	2.08%
29045	Elgin	$1,474	36.3%	4.08%	9.06%
29125	Pinewood	$1,473	15.4%	4.46%	1.95%
29061	Hopkins	$1,470	66.8%	9.49%	5.99%
29020	Camden	$1,467	23.3%	2.82%	2.44%
29707	Fort Mill	$1,464	33.5%	4.02%	4.33%
29696	West Union	$1,463	52.7%	3.76%	2.08%
29541	Effingham	$1,463	38.0%	3.78%	3.09%
29153	Sumter	$1,462	16.8%	5.07%	3.93%
29148	Summerton	$1,460	29.2%	4.77%	1.05%
29154	Sumter	$1,458	34.0%	4.07%	4.85%
29689	Townville	$1,454	28.6%	3.81%	1.64%
29201	Columbia	$1,453	51.4%	5.35%	2.99%
29621	Anderson	$1,452	49.4%	4.61%	3.63%
29168	Wedgefield	$1,449	88.1%	6.67%	1.05%
29101	Mc Bee	$1,447	51.6%	6.29%	2.57%
29204	Columbia	$1,441	29.3%	5.15%	2.65%
29040	Dalzell	$1,440	26.9%	6.40%	6.20%
29732	Rock Hill	$1,438	71.8%	8.25%	4.17%
29812	Barnwell	$1,435	44.4%	5.21%	1.74%
29639	Due West	$1,432	12.9%	3.77%	1.42%
29801	Aiken	$1,431	18.6%	2.96%	2.16%
29832	Johnston	$1,428	41.3%	3.37%	2.66%
29432	Branchville	$1,427	33.5%	4.59%	3.36%
29146	Springfield	$1,424	298.1%	5.39%	2.07%
29180	Winnsboro	$1,424	35.6%	5.46%	2.78%
29607	Greenville	$1,424	33.1%	3.93%	1.84%
29727	Mount Croghan	$1,422	3.2%	1.96%	0.65%
29860	North Augusta	$1,420	60.4%	7.10%	1.71%
29824	Edgefield	$1,420	19.2%	2.94%	1.30%
29661	Marietta	$1,417	33.3%	3.71%	1.39%
29853	Williston	$1,417	19.0%	4.51%	2.07%
29817	Blackville	$1,416	31.8%	5.74%	1.43%
29113	Norway	$1,414	29.9%	7.81%	2.08%
29520	Cheraw	$1,413	25.2%	3.04%	1.06%
29609	Greenville	$1,410	99.9%	3.91%	1.60%
29593	Society Hill	$1,409	13.5%	3.14%	1.05%
29690	Travelers Rest	$1,408	27.9%	3.43%	1.66%
29054	Gilbert	$1,404	100.2%	10.49%	5.24%
29164	Wagener	$1,402	23.0%	2.98%	1.49%
29052	Gadsden	$1,398	40.4%	8.77%	1.32%
29047	Elloree	$1,396	33.0%	5.55%	4.40%
29014	Blackstock	$1,395	37.1%	4.01%	1.85%
29015	Blair	$1,393	41.0%	2.62%	2.09%
29856	Windsor	$1,391	22.2%	5.39%	1.50%
29065	Jenkinsville	$1,385	18.1%	3.91%	3.91%
29003	Bamberg	$1,383	41.7%	6.36%	6.78%
29112	North	$1,381	49.7%	3.59%	1.14%
29666	Ninety Six	$1,376	14.0%	2.60%	1.33%
29745	York	$1,370	49.0%	4.56%	4.30%
29306	Spartanburg	$1,370	39.8%	4.20%	4.02%
29841	North Augusta	$1,370	97.4%	12.71%	1.45%
29729	Richburg	$1,368	25.9%	5.39%	0.81%
29374	Pauline	$1,368	19.0%	3.70%	2.27%
29805	Aiken	$1,366	74.2%	4.26%	1.33%
29626	Anderson	$1,366	62.1%	7.69%	3.00%
29642	Easley	$1,364	38.4%	4.67%	2.53%
29203	Columbia	$1,363	40.9%	5.75%	3.94%
29009	Bethune	$1,362	101.1%	5.58%	2.09%
29042	Denmark	$1,359	16.0%	5.66%	1.56%
29129	Ridge Spring	$1,358	13.4%	4.88%	1.77%
29512	Bennettsville	$1,357	37.7%	3.32%	1.54%
29058	Heath Springs	$1,355	44.3%	5.59%	1.07%
29649	Greenwood	$1,350	17.1%	3.22%	2.41%
29322	Campobello	$1,347	34.6%	3.41%	2.89%
29307	Spartanburg	$1,346	43.1%	4.88%	1.96%
29126	Pomaria	$1,345	14.2%	2.24%	1.79%
29078	Lugoff	$1,341	26.7%	3.32%	3.82%
29301	Spartanburg	$1,340	51.7%	4.67%	3.94%
29038	Cope	$1,337	54.7%	5.41%	3.24%
29653	Hodges	$1,336	58.8%	2.63%	0.77%
29709	Chesterfield	$1,335	32.6%	5.07%	1.85%
29720	Lancaster	$1,334	54.6%	6.45%	4.05%
29075	Little Mountain	$1,333	25.7%	2.96%	1.83%
29210	Columbia	$1,331	49.2%	5.06%	3.76%
29031	Carlisle	$1,331	45.8%	6.01%	1.64%
29160	Swansea	$1,325	72.4%	3.44%	2.03%
29055	Great Falls	$1,325	31.4%	6.28%	3.92%
29847	Trenton	$1,323	15.7%	4.18%	1.04%
29704	Catawba	$1,322	31.4%	4.92%	2.02%
29742	Sharon	$1,319	56.7%	3.71%	1.75%
29842	Beech Island	$1,315	40.0%	3.77%	1.75%
29570	Mc Coll	$1,315	35.2%	7.56%	1.95%
29651	Greer	$1,313	46.2%	4.33%	2.92%
29369	Moore	$1,311	28.9%	3.39%	4.77%
29697	Williamston	$1,311	38.8%	5.32%	2.81%
29070	Leesville	$1,310	97.2%	9.12%	1.69%
29646	Greenwood	$1,309	21.3%	4.04%	2.31%
29107	Neeses	$1,308	25.2%	3.32%	1.79%
29039	Cordova	$1,308	19.4%	4.33%	2.05%
29680	Simpsonville	$1,306	36.4%	3.91%	3.26%
29067	Kershaw	$1,305	55.1%	3.76%	2.18%
29831	Jackson	$1,305	21.0%	4.53%	0.67%
29819	Bradley	$1,304	15.0%	3.83%	3.45%
29127	Prosperity	$1,302	50.7%	4.62%	1.46%
29370	Mountville	$1,301	9.7%	3.29%	1.32%
29625	Anderson	$1,300	53.8%	5.60%	3.41%
29693	Westminster	$1,300	50.8%	4.10%	1.92%
29726	Mc Connells	$1,299	26.8%	3.85%	1.92%
29166	Ward	$1,297	26.6%	2.40%	N/A
29516	Blenheim	$1,294	69.5%	4.50%	1.80%
29630	Central	$1,294	31.4%	4.40%	1.68%
29170	West Columbia	$1,294	50.2%	6.18%	3.49%
29341	Gaffney	$1,294	40.2%	5.38%	2.57%
29006	Batesburg	$1,287	20.9%	2.93%	2.02%
29678	Seneca	$1,287	73.8%	4.89%	1.84%
29718	Jefferson	$1,286	5.3%	2.69%	3.67%
29730	Rock Hill	$1,286	66.6%	9.20%	4.85%
29332	Cross Hill	$1,285	10.9%	2.58%	0.70%
29686	Tamassee	$1,285	131.3%	7.92%	0.53%
29596	Wallace	$1,283	81.4%	3.12%	0.57%
29355	Kinards	$1,276	6.2%	2.19%	1.46%
29105	Monetta	$1,275	35.0%	6.35%	0.53%
29829	Graniteville	$1,274	35.4%	5.04%	2.82%
29037	Chappells	$1,274	11.1%	2.54%	2.12%
29712	Edgemoor	$1,270	44.8%	4.13%	2.89%
29673	Piedmont	$1,269	43.4%	4.34%	3.39%
29809	New Ellenton	$1,269	8.9%	3.17%	1.81%
29706	Chester	$1,268	49.7%	4.70%	3.97%
29644	Fountain Inn	$1,263	38.9%	4.17%	3.07%
29175	Westville	$1,263	36.2%	5.41%	1.35%
29669	Pelzer	$1,261	53.0%	3.85%	2.14%
29741	Ruby	$1,261	24.6%	3.11%	0.44%
29627	Belton	$1,259	40.4%	4.49%	2.66%
29717	Hickory Grove	$1,258	28.3%	5.35%	1.65%
29684	Starr	$1,258	19.9%	4.49%	2.31%
29714	Fort Lawn	$1,256	86.4%	3.77%	2.83%
29323	Chesnee	$1,254	43.8%	6.21%	2.95%
29360	Laurens	$1,254	60.1%	2.85%	2.04%
29835	Mc Cormick	$1,252	21.3%	2.33%	1.06%
29137	Salley	$1,249	262.4%	5.06%	1.12%
29376	Roebuck	$1,249	26.6%	2.83%	4.38%
29108	Newberry	$1,247	33.6%	4.24%	1.92%
29145	Silverstreet	$1,247	16.5%	5.50%	0.92%
29670	Pendleton	$1,245	36.4%	3.75%	2.52%
29662	Mauldin	$1,245	44.7%	4.81%	2.56%
29325	Clinton	$1,243	53.0%	3.74%	2.74%
29032	Cassatt	$1,242	11.4%	3.65%	2.33%
29172	West Columbia	$1,241	68.4%	5.04%	3.14%
29584	Patrick	$1,239	7.7%	2.25%	0.96%
29169	West Columbia	$1,239	42.7%	4.17%	2.35%
29687	Taylors	$1,237	41.3%	3.83%	2.18%
29843	Olar	$1,235	41.5%	8.33%	0.83%
29620	Abbeville	$1,235	25.8%	3.13%	1.75%
29053	Gaston	$1,235	93.0%	8.28%	3.47%
29388	Woodruff	$1,231	27.2%	2.71%	3.70%
29640	Easley	$1,229	37.8%	3.70%	2.13%
29728	Pageland	$1,227	32.8%	3.88%	8.23%
29692	Ware Shoals	$1,222	36.5%	4.21%	2.97%
29645	Gray Court	$1,220	25.6%	3.33%	1.28%
29349	Inman	$1,219	38.8%	3.66%	5.07%
29073	Lexington	$1,218	46.1%	5.30%	3.77%
29384	Waterloo	$1,218	40.1%	2.76%	1.43%
29743	Smyrna	$1,217	26.7%	4.55%	1.36%
29654	Honea Path	$1,214	42.1%	2.86%	1.99%
29702	Blacksburg	$1,211	27.6%	3.55%	1.70%
29851	Warrenville	$1,211	62.2%	4.42%	2.08%
29335	Enoree	$1,208	54.2%	3.57%	1.23%
29664	Mountain Rest	$1,204	7.5%	2.11%	0.77%
29691	Walhalla	$1,203	39.1%	5.25%	1.91%
29671	Pickens	$1,200	54.5%	4.28%	1.70%
29334	Duncan	$1,198	25.6%	2.95%	6.47%
29340	Gaffney	$1,198	45.3%	5.19%	2.06%
29638	Donalds	$1,187	15.6%	2.37%	1.58%
29033	Cayce	$1,181	35.0%	3.89%	2.74%
29379	Union	$1,178	45.9%	4.55%	1.15%
29372	Pacolet	$1,174	40.8%	3.52%	3.28%
29655	Iva	$1,163	77.8%	2.98%	2.27%
29657	Liberty	$1,162	33.2%	3.24%	2.16%
29834	Langley	$1,157	22.5%	5.63%	4.23%
29330	Cowpens	$1,156	38.3%	5.65%	2.96%
29628	Calhoun Falls	$1,152	95.7%	6.94%	2.08%
29848	Troy	$1,150	8.6%	3.51%	N/A
29178	Whitmire	$1,149	112.5%	3.44%	2.98%
29316	Boiling Springs	$1,148	35.9%	4.63%	5.51%
29624	Anderson	$1,145	48.3%	4.22%	4.58%
29123	Pelion	$1,144	41.4%	3.10%	1.18%
29845	Plum Branch	$1,140	24.2%	2.82%	1.06%
29303	Spartanburg	$1,135	45.5%	4.41%	5.00%
29138	Saluda	$1,135	30.9%	3.47%	1.62%
29365	Lyman	$1,134	25.3%	2.86%	4.70%
29353	Jonesville	$1,129	21.8%	3.70%	1.10%
29611	Greenville	$1,128	29.1%	3.60%	2.41%
29617	Greenville	$1,117	35.0%	2.85%	2.30%
29385	Wellford	$1,113	18.8%	3.00%	4.17%
29351	Joanna	$1,111	1.2%	0.82%	3.29%
29828	Gloverville	$1,097	7.0%	1.60%	N/A
29667	Norris	$1,093	2.5%	1.54%	3.08%
29321	Buffalo	$1,076	117.3%	4.52%	1.23%
29377	Startex	$1,071	3.9%	1.65%	1.65%
29333	Drayton	$1,068	9.8%	1.72%	1.72%
29320	Arcadia	$1,055	1.6%	1.52%	1.52%
29683	Slater	$1,032	N/A	N/A	1.30%

South Carolina Insurance Guides

Why Is Homeowners Insurance So Expensive?

Key factors driving premium increases nationwide

The Insurance Nonrenewal Crisis

Why insurers are dropping policyholders and what it means

Understanding Loss Ratios

What loss ratios reveal about your state's insurance market

Insurance Costs by State

How South Carolina compares to other states

Explore More Insurance Data

Premium Rankings

Most & least expensive ZIPs and states nationwide

Dental Insurance in South Carolina

DHMO vs DPPO premiums (NADP 2024)

Compare All States

Average premiums and nonrenewals across the U.S.

Natural-hazard context (FEMA NRI)

County National Risk Index scores joined to South Carolina ZIP codes in the same FIO filing year. This is hazard and vulnerability context from FEMA, not a premium driver table and not a quote.

Mean county risk score

80.8

13th of 50 states by mean score · national mean 69.3

Counties joined

Distinct county FIPS on South Carolina FIO ZIPs

Most common top hazard

Hurricane

27 of 46 counties

Highest FEMA NRI counties in South Carolina
County	Risk score	Rating	Top hazard
Charleston	98.6	Relatively High	Hurricane
Horry	98.2	Relatively High	Hurricane
Beaufort	97.1	Relatively High	Hurricane

Counties with elevated FEMA hazard ratings in South Carolina
Hazard	Elevated counties	Share of joined
Hurricane	15	33%
Tornado	7	15%
Flooding	2	4%
Winter weather	2	4%
Earthquake	1	2%

Elevated = FEMA Relatively High or Very High rating on that hazard column. Ratings are independent per hazard; a county can appear in more than one row.

Source: FEMA National Risk Index · research board: top counties by NRI score.

Nationwide states with similar insurance profiles

Two FIO peer sets for South Carolina: nearest other states by average homeowners premium and by statewide nonrenewal rate. These are cross-state neighborhoods, not the in-state ZIP table above.

Similar average premium

Nearest states by average homeowners premium ($1,765/yr here).

Georgia $1,769/yr Arkansas $1,736/yr Tennessee $1,728/yr South Dakota $1,854/yr

Similar nonrenewal rate

Nearest states by average nonrenewal rate (3.92% here).

Nebraska 2.59% North Carolina 2.46% Arizona 1.99% Louisiana 1.98%

Frequently Asked Questions

What is the average homeowners insurance cost in South Carolina? ▼

Averaged across the 366 South Carolina ZIP codes in the U.S. Treasury FIO data, the annual homeowners premium is $1,765 ($2,510 when each ZIP is weighted by population, which is closer to what a typical homeowner pays). This is 1% below the national average of $1,776.

How have insurance premiums changed in South Carolina? ▼

South Carolina homeowners insurance premiums changed by -0.6% between 2018 and 2022. The average loss ratio is 37.5%, meaning insurers pay out that percentage of earned premiums in claims.

Which ZIP code has the most expensive insurance in South Carolina? ▼

The most expensive ZIP code for homeowners insurance in South Carolina is 29401, with an average premium of $14,548/yr. The most affordable is 29683 at $1,032/yr.

What is the nonrenewal rate for South Carolina homeowners insurance? ▼

Averaged across the South Carolina ZIP codes that report one, the nonrenewal rate is 3.92%. This rate has changed by +207.0% from 2018 to 2022. Nonrenewals occur when an insurer declines to renew an existing policy at expiration. ZIP 29403 has the highest nonrenewal rate in the state at 7.68%.

What is a loss ratio and what does South Carolina's mean? ▼

A loss ratio measures how much an insurer pays out in claims compared to premiums collected. South Carolina's average loss ratio is 37.5%. Ratios above 100% indicate insurers are paying more in claims than they collect, which often leads to premium increases.

How often do homeowners file insurance claims in South Carolina? ▼

The average claim frequency in South Carolina is 4.25%, meaning that percentage of policies result in a claim each year. The average claim severity (cost per claim) is $13,650. Higher claim frequency and severity typically correlate with higher premiums.

What natural hazards drive risk in South Carolina? ▼

Across 46 FEMA National Risk Index counties that join to South Carolina ZIP codes in the FIO file, the mean county risk score is 80.8 (17% above the 50-state mean of 69.3). The most common county-level top hazard is Hurricane (27 of 46 counties). Elevated (Relatively High or Very High) county ratings concentrate in Hurricane (15), Tornado (7), Flooding (2). NRI scores are county hazard/vulnerability context from FEMA; they are not premiums and are not a quote.

South Carolina in the FIO registry

State averages sit next to ZIP-level premium and nonrenewal extracts from the same filing year.

South Carolina ZIP premiums and nonrenewal rates in the same table. ZIP table
National premium board versus the population-floored nonrenewal board. Rankings
How competition ranks and dual boards are derived. Methodology

State figures are five-year ZIP-level averages from U.S. Treasury FIO data, a benchmark, not a quote for any individual home.

Source: U.S. Department of the Treasury, Federal Insurance Office (FIO) Homeowners Insurance Data (2018-2022). Premiums are ZIP-level averages and may not reflect individual policy costs

Browse all ZIPs → | Rankings → | All states →

Compiled by PlainInsure, Insurance Transparency Editorial Process · May 15, 2026

Source data: U.S. Treasury FIO · FEMA National Risk Index · NOAA Storm Events. See our methodology.

Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This state's figures are rendered directly from U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.

South Carolina Homeowners Insurance

How South Carolina Compares

Data Snapshot: South Carolina Homeowners Insurance

Loss Ratio Reading: South Carolina

Premium Trends (2018-2022)

Average premium in South Carolina, 2018–2022

Most Expensive ZIP Codes in South Carolina

Most Affordable ZIP Codes in South Carolina

All ZIP Codes in South Carolina

South Carolina Insurance Guides

Explore More Insurance Data

Natural-hazard context (FEMA NRI)

Nationwide states with similar insurance profiles

Similar average premium

Similar nonrenewal rate

Frequently Asked Questions

Related