Flood Claims Map

South Carolina

Flood insurance claims in Berkeley County, South Carolina

FEMA records 619 National Flood Insurance Program claims in Berkeley County, South Carolina, since 1979, with $8.8 million paid in total. The year with the most claims was 2015, with 179. As of 3 August 2026, 7.2% of homes here had an NFIP policy, and 81.6% of homes in the high-risk flood zone did.

NFIP claims on record619
Total paid$8.8 million
Claims with a payment439
Homes with NFIP policy7.2%
High-risk zone homes insured81.6%
Residential policies in force5,749

Claims by year of loss

1979: 619791980: 01981: 51982: 01983: 119831984: 01985: 21986: 01987: 1019871988: 01989: 691990: 21991: 319911992: 21993: 01994: 31995: 519951996: 41997: 21998: 111999: 619992000: 22001: 12002: 72003: 320032004: 52005: 12006: 02007: 020072008: 212009: 32010: 12011: 120112012: 12013: 112014: 32015: 17920152016: 1102017: 412018: 102019: 320192020: 62021: 262022: 52023: 620232024: 402025: 12026: 1179

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

1979: $5,13019791980: $01981: $2,9971982: $01983: $3,96819831984: $01985: $3,0791986: $01987: $32,29419871988: $01989: $334,4821990: $1,0061991: $6,28719911992: $1,8611993: $01994: $2,6681995: $2,05419951996: $3,6171997: $9,6741998: $27,1571999: $12,61019992000: $11,5792001: $02002: $22,4782003: $2,40020032004: $80,5142005: $5,1162006: $02007: $020072008: $149,6292009: $27,7772010: $02011: $4,57620112012: $02013: $71,2802014: $16,8432015: $2.5 million20152016: $2.8 million2017: $550,2602018: $85,6022019: $2,28920192020: $75,1722021: $315,9392022: $25,8872023: $19,25620232024: $1.5 million2025: $02026: $42,594$2.8 million

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

Named flood events with the most claims

Event (FEMA name)Claims
October severe storms166
Hurricane Matthew107
Hurricane Hugo64
Hurricane Debby36
Hurricane Irma32
Hurricane Floyd4
Hurricane Ian4
Hurricane Idalia2

ZIP codes with the most claims

ZIP code (as reported)Claims
29410247
29445116
29461103
2949241
2945040
2948620
2945617
294077
294066
294834

438 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $7.6 million, contents $1.2 million, increased cost of compliance $5,400.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone3,8743,16381.6%
All homes80,1275,7497.2%

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.