Flood Claims Map

South Carolina

Flood insurance claims in Beaufort County, South Carolina

FEMA records 4,968 National Flood Insurance Program claims in Beaufort County, South Carolina, since 1979, with $80.8 million paid in total. The year with the most claims was 2016, with 2,698. As of 3 August 2026, 39.7% of homes here had an NFIP policy.

NFIP claims on record4,968
Total paid$80.8 million
Claims with a payment3,111
Homes with NFIP policy39.7%
High-risk zone homes insuredn/a
Residential policies in force28,198

Claims by year of loss

1979: 7819791980: 71981: 31982: 61983: 1319831984: 31985: 91986: 41987: 3119871988: 601989: 551990: 51991: 1719911992: 131993: 71994: 5031995: 7119951996: 141997: 151998: 621999: 8319992000: 42001: 82002: 402003: 1320032004: 72005: 122006: 42007: 1820072008: 212009: 172010: 242011: 1220112012: 72013: 52014: 292015: 7520152016: 2,6982017: 7282018: 152019: 2820192020: 142021: 282022: 122023: 820232024: 562025: 232026: 32,698

NFIP claims by year of loss, Beaufort County, South Carolina

1979: $206,17619791980: $6191981: $01982: $2,0581983: $2,12919831984: $9,2091985: $7,8511986: $13,1771987: $46,98419871988: $206,4031989: $411,7901990: $01991: $130,73619911992: $79,0501993: $1,0511994: $3.2 million1995: $228,83919951996: $11,7791997: $13,4391998: $252,1411999: $90,08219992000: $110,1102001: $268,1022002: $205,9922003: $9,52820032004: $14,8252005: $165,1392006: $1,6112007: $120,58320072008: $702,5262009: $125,8952010: $407,9452011: $316,73620112012: $31,6282013: $02014: $93,5632015: $678,56020152016: $55.5 million2017: $14.2 million2018: $61,0262019: $364,02620192020: $125,9082021: $713,9902022: $47,0582023: $129,73720232024: $969,5692025: $640,7382026: $0$55.5 million

Paid on claims by year of loss (building, contents and increased cost of compliance), Beaufort County, South Carolina

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Matthew2,660
Hurricane Irma695
Flooding338
October severe storms45
Hurricane Floyd45
Hurricane Hugo40
Hurricane Debby40
Hurricane Helene10

ZIP codes with the most claims

ZIP code (as reported)Claims
299281,662
299201,240
299261,035
29902293
29910204
29907177
29906113
2994071
2990966
2994126

4,029 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $70.8 million, contents $9.8 million, increased cost of compliance $182,855.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone10,42610,632n/a
All homes71,09428,19839.7%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

  1. FEMA, OpenFEMA FIMA NFIP Redacted Claims (v2 dataset, API v3 NfipClaims), 2,725,989 claim records, retrieved 29 October 2026
  2. FEMA, OpenFEMA NFIP Residential Penetration Rates, as of 3 August 2026

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.