Flood insurance claims in Kershaw County, South Carolina

FEMA records 122 National Flood Insurance Program claims in Kershaw County, South Carolina, since 1979, with $972,587 paid in total. The year with the most claims was 2024, with 34. As of 3 August 2026, 1.0% of homes here had an NFIP policy, and 36.9% of homes in the high-risk flood zone did.

NFIP claims on record122

Total paid$972,587

Claims with a payment78

Homes with NFIP policy1.0%

High-risk zone homes insured36.9%

Residential policies in force275

Claims by year of loss

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

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

Named flood events with the most claims

Event (FEMA name)	Claims
Hurricane Helene	31
October severe storms	16
Hurricane Hugo	3
Flooding	1
Hurricane Florence	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
29020	51
29074	37
29130	16
29045	8
29078	7
29021	3

99 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $954,971, contents $17,616, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	539	199	36.9%
All homes	28,143	275	1.0%

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

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.