Dreaming of life by the coast? Whether you’re looking for a second home, vacation rental, or your full-time slice of paradise, buying a beach property in Charleston is a little different than buying inland—and knowing what to look for can make all the difference.

First, it’s important to understand flood zones and insurance requirements. Many Charleston beach communities—like Folly Beach, Sullivan’s Island, and Isle of Palms—fall within FEMA-designated flood zones. That doesn’t mean you shouldn’t buy there (some of the most beautiful homes are!), but it does mean you’ll want a clear understanding of what kind of insurance is required, what it might cost, and how elevation or renovations could impact your risk and rates. You can check your potential property’s flood zone using FEMA’s official Flood Map Service Center.

Next, consider how you plan to use the property. Some areas have restrictions on short-term rentals, so if you’re hoping to list your home on Airbnb or Vrbo, you’ll need to confirm what’s allowed by the city or HOA. Here’s where to check short-term rental regulations:

• City of Folly Beach Short-Term Rentals
• Isle of Palms STR Info
• Sullivan’s Island Rental Info

Even if you’re not renting it out, some communities have guidelines around exterior maintenance, landscaping, or home modifications—so knowing the local rules ahead of time is key.

Also, think about the home’s resilience. Coastal properties face more exposure to salt air, wind, and storms. Look for homes with durable materials like impact-rated windows, metal roofs, and elevated construction. And don’t forget the little things—like outdoor showers, storage for beach gear, or a screened porch to enjoy those ocean breezes bug-free.

Whether you’re buying for investment or lifestyle, having an experienced local agent (hi, that’s us!) who understands Charleston’s coastal communities can help you navigate everything from inspections to insurance. Let’s find the beach retreat that’s just right for you!