InsureWatch

29410

High61

Hanahan, South Carolina — Berkeley County

Pop. 20,603Median Income $79,305Median Home $318,800
0/ 100High Risk

2025 Estimated Premium

$2,302/yr

+8.5% from 2022 actual ($2,122)

Projected using FRED CPI for Household Insurance, adjusted for this ZIP's historical trend. Not a quote.

Avg Premium (2022)

$2,122

-0.8%

2018–2025

Nonrenewal Rate

11.72%

2018–2022

Claim Frequency

3.0%

Avg Claim Amount

$15,215

Score Breakdown

Premium Level (25%)80
Premium Trend (20%)46
Nonrenewal Risk (20%)100
Storm Exposure (15%)12
Affordability (10%)65
Flood Risk (10%)30

Storm History (5-Year Timeline)

18
201814 events
Property damage$5,000
5 hail
19
201932 events
Property damage$69,500
3 hail1 flood
20
202013 events
Property damage$4,500
3 tornado1 hail
21
202120 events
Property damage$0
17 hail
22
202231 events
Property damage$18,000
11 hail
23
20239 events
Property damage$7,000
2 tornado4 hail
24
202429 events
Property damage$25,000
1 tornado4 hail11 flood
25
202533 events
Property damage$48,250
3 hail3 flood

Nearby ZIP Codes

29406North Charleston, SC
62High
29420North Charleston, SC
64High
29418North Charleston, SC
63High
29445Goose Creek, SC
57Elevated
29405North Charleston, SC
64High

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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.