North Myrtle Beach has 19,855 residents in 9,967 households. We list 6 insurance agencies in North Myrtle Beach. Here is what the local numbers say about the cover people here need.

North Myrtle Beach at a glance

6insurance agencies listed
17.8%of households rentRenters insurance
$416,900median home valueHome insurance
1997median year homes were builtRebuild cost calculator
5.1%of households have no carAuto insurance
4.7%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Horry County

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

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
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in South Carolina
Winter weatherRelatively High
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in South Carolina
Ice stormRelatively High

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 North Myrtle Beach

How do I find an insurance agency in North Myrtle Beach?

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 North Myrtle Beach?

FEMA's National Risk Index rates coastal flooding risk in Horry County as Relatively 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 North Myrtle Beach?

17.8% of households in North Myrtle Beach 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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