Flood Claims Map

South Carolina

Flood insurance claims in Horry County, South Carolina

FEMA records 12,525 National Flood Insurance Program claims in Horry County, South Carolina, since 1978, with $338.2 million paid in total. The year with the most claims was 1989, with 3,286. As of 3 August 2026, 14.6% of homes here had an NFIP policy.

NFIP claims on record12,525
Total paid$338.2 million
Claims with a payment8,818
Homes with NFIP policy14.6%
High-risk zone homes insuredn/a
Residential policies in force20,388

Claims by year of loss

1978: 119781979: 1701980: 31981: 301982: 819821983: 651984: 171985: 451986: 12319861987: 7131988: 41989: 3,2861990: 419901991: 161992: 381993: 1621994: 9219941995: 251996: 7901997: 121998: 63019981999: 1,3422000: 742001: 862002: 420022003: 352004: 512005: 242006: 720062007: 82008: 272009: 82010: 3120102011: 72012: 102013: 362014: 720142015: 8212016: 1,4432017: 192018: 1,04120182019: 522020: 3602021: 1072022: 54020222023: 952024: 452025: 92026: 220263,286

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

1978: $019781979: $240,9791980: $01981: $53,2241982: $1,01519821983: $327,1181984: $14,7251985: $112,5761986: $759,57319861987: $2.7 million1988: $13,0141989: $118.2 million1990: $3,46419901991: $8,8641992: $174,7561993: $850,3231994: $629,24619941995: $89,5651996: $2.7 million1997: $87,1511998: $1.6 million19981999: $20.0 million2000: $555,8542001: $836,7462002: $4,50720022003: $300,7262004: $291,8732005: $141,8732006: $4,35020062007: $78,0562008: $106,6462009: $55,6722010: $192,11120102011: $11,9972012: $40,5392013: $407,0532014: $73,07720142015: $13.7 million2016: $40.6 million2017: $288,2662018: $89.7 million20182019: $732,1942020: $7.4 million2021: $3.1 million2022: $26.2 million20222023: $3.4 million2024: $948,6872025: $426,1812026: $16,2702026$118.2 million

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

Named flood events with the most claims

Event (FEMA name)Claims
Hurricane Hugo3,260
Hurricane Matthew1,356
Hurricane Floyd1,237
Hurricane Florence976
October severe storms758
Flooding672
Hurricane Ian474
Hurricane Fran452

ZIP codes with the most claims

ZIP code (as reported)Claims
295824,303
295761,918
295771,529
295261,077
29575992
29588717
29572515
29568308
29527255
29579244

9,586 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $286.9 million, contents $50.0 million, increased cost of compliance $1.3 million.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone05,861n/a
All homes139,33720,38814.6%

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.