Hi. It really just depends on whether or not you purchase in a flood zone. I work in Pawleys Island (about 20 miles south of Myrtle Beach) at The Litchfield Company Real Estate in marketing and insurance has not seemed to be a problem for our buyers lately. We would love to help you out with purchasing at the beach and we would be happy to research some rates on ocean front villas versus homes further inland, it all just depends on what you are looking for. I can be reached at 800-476-2861 for more information or visit our website at http://www.thelitchfieldcompany.com.
Thanks and have a great day.