Conway

The test is statutory: § 38-75-310(5) draws Horry County's coastal area as everything east of US 17 or Bypass 17, whichever runs farther west. Conway sits well west of both, which puts it outside — so the wind exclusion is not permitted here and wind stays inside the homeowners policy on one deductible. Outside does not automatically mean a lower premium: what the total comes to is a question two quotes answer and no rule does. A specific address can sit on the far side of that road from the rest of its street, so the declarations page and your insurance agent settle it — not the town name. How wind and hail coverage works here →

That is a per-parcel question, not a per-town one — zones change block to block and sometimes lot to lot. What decides it is the FEMA flood zone for the specific parcel: inside a Special Flood Hazard Area (the A and V zones) federal law directs a regulated lender not to make, increase, extend or renew the loan unless the building is covered for the term of it. Zone X carries no federal mandate, though a lender may still require coverage as a matter of its own policy. Pull the zone for the actual address before you write an offer, never a neighborhood-level impression. Flood zones, decoded →

South Carolina assesses an owner-occupied legal residence at 4% and everything else — second homes, rentals, land — at 6%, under S.C. Code § 12-43-220. Those ratios are state law, so they apply the same in Horry and Georgetown counties. The 4% is not automatic: you have to apply for it, and the Horry County Assessor's guidance is blunt about the consequence of not doing so — an automatic 6% assessment. The rest of the bill depends on the taxing districts the parcel sits in, so ask the county assessor for the real figure on the real address before you rely on any of it. Horry County property taxes, explained →

Conway is a historic river town on the Waccamaw with a walkable downtown and a noticeably slower pace than the coastal towns, and it generally offers more land and lower prices than the beach communities do. It is also a college town — Coastal Carolina University's main campus, with more than 12,000 students, is based here, which brings year-round amenities the smaller beach towns do not have. The trade is a drive to the sand rather than a walk. Best Places to Live on the Grand Strand →