Charleston County has 420,264 residents in 178,975 households. We list 6 insurance agencies in Johns Island. Here is what the local numbers say about the cover people here need.

Johns Island at a glance

6insurance agencies listed
36.1%of households rentRenters insurance
$489,100median home valueHome insurance
1991median year homes were builtRebuild cost calculator
5.9%of households have no carAuto insurance
4.9%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, for Charleston County (the Census does not publish Johns Island as a separate place). Agency count: our listings.

Natural hazard risk in Charleston County

FEMA rates the overall natural hazard risk in Charleston County, where most Johns Island agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

Coastal floodingVery High
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance
HurricaneVery High
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance in South Carolina
EarthquakeRelatively High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance
Ice stormRelatively High
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in South Carolina

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in South Carolina

South Carolina requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25. It also requires uninsured motorist coverage ($25,000 per person, $50,000 per accident) and uninsured motorist property damage coverage ($25,000).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in South Carolina How much liability cover do you need?

Source: scstatehouse.gov. Checked 2026-10-24.

Questions

Insurance agencies in Johns Island

How do I find an insurance agency in Johns Island?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

Do I need flood insurance in Johns Island?

FEMA's National Risk Index rates coastal flooding risk in Charleston County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Johns Island?

36.1% of households in Charleston County rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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Agencies near Johns Island

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