Home Insurance Non-Renewals in South Carolina, County by County
1.24 percent of South Carolina homeowners policies were not renewed in 2023. Every county in the Senate Budget Committee file, 2018 to 2023, with its policy base.
The state series
| Year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|
| Rate | 0.52% | 0.43% | 0.32% | 0.47% | 0.68% | 1.24% |
The South Carolina file is one of the biggest movers in the set, up 28 places in the national order since 2018. In 2018, 39 jurisdictions carried a higher rate; in 2023, 11 do, which takes the state from 40th of 51 to 12th. The rate itself climbed from 0.52 percent in 2018 to 1.24 percent in 2023. Ranked by the size of the move since 2018 rather than by the level, it comes 6th of 51. The floor of the series is 0.32 percent in 2020. The rate fell in 2019 and again in 2020 before it turned back up in 2021. Beaufort tops the 2023 readings at 4.11 percent, with Charleston next at 3.97 percent, 0.14 points behind. Most rows moved up. Across the 46 counties with a 2023 reading the midpoint is 0.83 percent against 1.24 percent for the state. Top to bottom the 2023 readings cover 3.65 points, with the lowest county at 0.46 percent. Under the 2023 rate sit 10,206 policies the insurer chose not to renew out of 825,570 in force, against 3,711 out of 708,442 six years earlier, so the count of dropped policies rose over the file while the book behind it grew. Two rows from this state are inside the national top 100 counties by 2023 rate, a list that starts at 500 policies in force, and they are Beaufort and Charleston. Non-renewal is the insurer ending the policy at its term, not the homeowner leaving. It is the number that moves before a market goes hard, which is why the committee collected it.
Every county in the file
The last figure in each row is the 2023 policy base. Every 2023 reading in this table comes off a book of at least 500 policies, so the floor that ranking claims work from takes nothing out of the counties above. A rate built on a handful of policies moves by whole points when one of them lapses, and the column is there so that shows.
| County | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | Policies in force 2023 | Trend |
|---|---|---|---|---|---|---|---|---|
| Beaufort | 0.22% | 0.26% | 0.43% | 0.46% | 3.17% | 4.11% | 25,946 | up sharply |
| Charleston | 0.45% | 0.47% | 0.39% | 0.50% | 1.87% | 3.97% | 52,937 | up sharply |
| Marion | 0.57% | 0.89% | 0.64% | 1.14% | 0.86% | 2.77% | 2,923 | up sharply |
| Berkeley | 0.51% | 0.35% | 0.27% | 0.51% | 0.44% | 2.31% | 28,681 | up sharply |
| Hampton | 0.51% | 0.60% | 0.42% | 0.86% | 1.34% | 2.19% | 1,595 | up sharply |
| Georgetown | 0.43% | 0.53% | 0.48% | 0.49% | 1.32% | 2.16% | 12,141 | up sharply |
| Dorchester | 0.54% | 0.38% | 0.22% | 0.33% | 0.48% | 2.00% | 22,079 | up sharply |
| Williamsburg | 0.90% | 0.72% | 0.88% | 1.21% | 0.56% | 1.91% | 3,042 | up sharply |
| Colleton | 0.64% | 0.50% | 0.18% | 0.90% | 1.33% | 1.89% | 3,594 | up sharply |
| Jasper | 0.55% | 0.39% | 0.36% | 0.41% | 0.49% | 1.68% | 3,813 | up sharply |
| Horry | 0.46% | 0.42% | 0.29% | 0.29% | 0.58% | 1.59% | 46,451 | up sharply |
| Bamberg | 0.50% | 0.84% | 0.50% | 0.96% | 1.47% | 1.17% | 1,365 | up sharply |
| Dillon | 1.15% | 0.60% | 0.36% | 0.64% | 0.86% | 1.09% | 2,940 | flat |
| Lee | 0.75% | 0.76% | 0.95% | 1.30% | 0.74% | 1.03% | 1,263 | up |
| York | 0.48% | 0.43% | 0.32% | 0.38% | 0.45% | 1.02% | 49,565 | up sharply |
| Richland | 0.78% | 0.56% | 0.50% | 0.55% | 0.67% | 1.01% | 57,536 | up |
| Greenwood | 0.53% | 0.35% | 0.36% | 0.31% | 0.66% | 0.99% | 11,497 | up |
| Barnwell | 0.55% | 0.80% | 0.29% | 0.73% | 0.79% | 0.98% | 2,769 | up |
| Orangeburg | 0.76% | 0.68% | 0.47% | 0.71% | 0.83% | 0.97% | 11,144 | up |
| Darlington | 0.64% | 0.48% | 0.41% | 0.59% | 0.72% | 0.94% | 8,332 | up |
| Chesterfield | 0.42% | 0.37% | 0.22% | 0.93% | 0.70% | 0.87% | 4,965 | up |
| Florence | 0.61% | 0.55% | 0.40% | 0.46% | 0.54% | 0.86% | 21,608 | up |
| Fairfield | 0.84% | 0.68% | 0.44% | 1.03% | 0.90% | 0.83% | 3,632 | flat |
| Lancaster | 0.45% | 0.25% | 0.22% | 0.36% | 0.41% | 0.83% | 19,229 | up |
| Abbeville | 0.63% | 0.49% | 0.46% | 0.47% | 0.85% | 0.79% | 4,804 | up |
| Chester | 0.54% | 0.61% | 0.37% | 1.10% | 1.28% | 0.79% | 4,700 | up |
| Clarendon | 0.56% | 0.60% | 0.51% | 0.63% | 0.51% | 0.78% | 4,893 | up |
| Aiken | 0.48% | 0.36% | 0.29% | 0.38% | 0.47% | 0.74% | 30,371 | up |
| Pickens | 0.56% | 0.51% | 0.29% | 0.48% | 0.52% | 0.72% | 19,701 | up |
| Union | 0.54% | 0.52% | 0.21% | 0.73% | 0.64% | 0.72% | 5,161 | up |
| Laurens | 0.57% | 0.53% | 0.32% | 0.60% | 0.64% | 0.71% | 14,412 | up |
| Sumter | 0.56% | 0.47% | 0.36% | 0.70% | 0.48% | 0.71% | 13,302 | up |
| Anderson | 0.42% | 0.42% | 0.26% | 0.44% | 0.47% | 0.68% | 40,269 | up |
| Newberry | 0.52% | 0.42% | 0.22% | 0.97% | 0.83% | 0.65% | 6,444 | up |
| Calhoun | 0.68% | 0.10% | 0.10% | 0.65% | 0.25% | 0.64% | 1,248 | flat |
| Lexington | 0.50% | 0.35% | 0.28% | 0.34% | 0.37% | 0.64% | 59,478 | up |
| Spartanburg | 0.45% | 0.38% | 0.25% | 0.44% | 0.46% | 0.63% | 59,320 | up |
| Kershaw | 0.60% | 0.43% | 0.28% | 0.48% | 0.45% | 0.62% | 15,975 | flat |
| Greenville | 0.52% | 0.36% | 0.25% | 0.41% | 0.39% | 0.60% | 106,472 | flat |
| Allendale | 0.56% | 1.10% | 0.18% | 0.85% | 1.18% | 0.59% | 681 | flat |
| Saluda | 0.40% | 0.32% | 0.55% | 0.46% | 0.79% | 0.58% | 1,374 | up |
| McCormick | 0.83% | 0.57% | 0.38% | 0.53% | 0.73% | 0.57% | 2,436 | down |
| Cherokee | 0.71% | 0.67% | 0.40% | 0.50% | 0.63% | 0.55% | 8,712 | down |
| Edgefield | 0.41% | 0.35% | 0.20% | 0.47% | 0.57% | 0.51% | 6,506 | up |
| Marlboro | 0.30% | 0.68% | 0.45% | 0.55% | 0.82% | 0.50% | 2,802 | up |
| Oconee | 0.46% | 0.34% | 0.32% | 0.33% | 0.36% | 0.46% | 17,461 | flat |
Data last updated , the committee’s release date. Download the full county file as CSV, policy bases included.
The notice window
Before an insurer in South Carolina can end a policy at its term it must give notice not less than 60 days before the expiration date, under South Carolina Code of Laws section 38-75-740.
Sources
Every figure on this page comes from the record below.
- Senate Budget Committee, county-level homeowners insurance non-renewal dataset, 2018 to 2023, released December 2024. Committee release. Machine-readable copy: dataset mirror.
- Coverage: 23 insurers, about two thirds of the United States homeowners market, 249 million policy records over the six years.