Flood history / South Carolina
South Carolina
flood claim history.
Across the 54 South Carolina ZIP codes with at least 100 paid claims on file, the National Flood Insurance Program has paid $941.0M on 44,462 claims between 1978 and 2026. ZIP 29582 in Horry County carries the most at 4,310, 9.7% of the state total shown here.
The events driving the most paid claims across these ZIPs are Hurricane Hugo (14,020 claims), Hurricane Matthew (5,910 claims) and October severe storms (3,565 claims).
16.3% of the claims here that record a rated flood zone were on properties outside the mapped high-risk area — the zone where flood insurance is optional and most owners go without it.
Claim volume tracks how many properties carried flood insurance as much as how often the water came up. A ZIP with a long insured history will out-file a comparable one where few owners were covered, so read each ZIP's own record rather than ranking them against each other.
Every South Carolina ZIP code on file
| ZIP | County | Paid claims | Total paid | Heaviest year |
|---|---|---|---|---|
| 29582 | Horry County | 4,310 | $60.3M | 1989 1,227 |
| 29401 | Charleston County | 3,218 | $78.6M | 1989 1,397 |
| 29576 | Horry County | 3,064 | $91.4M | 1989 1,093 |
| 29451 | Charleston County | 2,691 | $65.8M | 1989 2,021 |
| 29412 | Charleston County | 2,459 | $23.1M | 1989 1,292 |
| 29585 | Georgetown County | 2,374 | $54.7M | 1989 988 |
| 29407 | Charleston County | 2,265 | $26.3M | 1989 846 |
| 29464 | Charleston County | 1,784 | $19.7M | 1989 1,100 |
| 29928 | Beaufort County | 1,664 | $22.0M | 2016 826 |
| 29577 | Horry County | 1,545 | $46.8M | 1989 596 |
| 29920 | Beaufort County | 1,242 | $19.5M | 2016 779 |
| 29439 | Charleston County | 1,221 | $17.7M | 1989 635 |
| 29414 | Charleston County | 1,209 | $18.9M | 2015 409 |
| 29526 | Horry County | 1,077 | $43.6M | 2018 279 |
| 29926 | Beaufort County | 1,036 | $25.7M | 2016 701 |
| 29455 | Charleston County | 1,029 | $4.2M | 1989 421 |
| 29440 | Georgetown County | 1,013 | $26.2M | 1989 317 |
| 29575 | Horry County | 995 | $16.1M | 1989 256 |
| 29403 | Charleston County | 994 | $9.2M | 1989 423 |
| 29482 | Charleston County | 894 | $22.2M | 1989 608 |
| 29588 | Horry County | 717 | $40.2M | 2018 241 |
| 29438 | Colleton County | 647 | $4.4M | 2016 308 |
| 29572 | Horry County | 516 | $11.3M | 1989 210 |
| 29206 | Richland County | 402 | $32.4M | 2015 285 |
| 29210 | Lexington County | 371 | $7.8M | 2015 231 |
| 29405 | Charleston County | 324 | $3.5M | 1989 72 |
| 29485 | Dorchester County | 321 | $7.1M | 2015 199 |
| 29568 | Horry County | 308 | $27.5M | 2018 204 |
| 29902 | Beaufort County | 295 | $3.3M | 2016 86 |
| 29418 | Charleston County | 278 | $3.6M | 1989 84 |
| 29615 | Greenville County | 267 | $3.8M | 1995 54 |
| 29527 | Horry County | 255 | $12.9M | 2018 94 |
| 29410 | Berkeley County | 249 | $3.4M | 2016 69 |
| 29574 | Marion County | 249 | $10.9M | 2018 97 |
| 29579 | Horry County | 244 | $4.9M | 1999 74 |
| 29150 | Sumter County | 209 | $5.4M | 2015 131 |
| 29456 | Dorchester County | 205 | $5.1M | 2015 90 |
| 29466 | Charleston County | 205 | $2.4M | 1989 68 |
| 29910 | Beaufort County | 205 | $3.2M | 2016 84 |
| 29205 | Richland County | 202 | $10.6M | 2015 94 |
| 29212 | Lexington County | 192 | $5.0M | 2015 120 |
| 29406 | Charleston County | 192 | $5.5M | 2015 45 |
| 29566 | Horry County | 178 | $2.5M | 2015 62 |
| 29907 | Beaufort County | 178 | $2.1M | 2016 92 |
| 29209 | Richland County | 135 | $7.0M | 2015 94 |
| 29581 | Marion County | 127 | $7.4M | 2018 78 |
| 29204 | Richland County | 123 | $2.3M | 2015 63 |
| 29445 | Berkeley County | 120 | $979K | 2015 43 |
| 29501 | Florence County | 120 | $1.4M | 2016 35 |
| 29483 | Dorchester County | 119 | $1.7M | 2015 45 |
| 29906 | Beaufort County | 112 | $1.7M | 2016 55 |
| 29458 | Charleston County | 105 | $3.0M | 1989 67 |
| 29472 | Dorchester County | 105 | $2.6M | 2024 37 |
| 29461 | Berkeley County | 103 | $2.0M | 2015 45 |
Only ZIP codes with at least 100 paid claims on file appear here. A ZIP missing from this table has a shorter record, not a clean one.