Flood Claims Map

South Carolina

Flood insurance claims in Richland County, South Carolina

FEMA records 1,360 National Flood Insurance Program claims in Richland County, South Carolina, since 1978, with $60.5 million paid in total. The year with the most claims was 2015, with 826. As of 3 August 2026, 1.3% of homes here had an NFIP policy, and 69.2% of homes in the high-risk flood zone did.

NFIP claims on record1,360
Total paid$60.5 million
Claims with a payment1,011
Homes with NFIP policy1.3%
High-risk zone homes insured69.2%
Residential policies in force1,764

Claims by year of loss

1978: 219781979: 321980: 31981: 71982: 519821983: 81984: 51985: 11986: 3019861987: 141988: 41989: 171990: 1219901991: 161992: 61993: 41994: 519941995: 131996: 71997: 381998: 2219981999: 52000: 32001: 22002: 420022003: 92004: 92005: 62006: 420062007: 02008: 42009: 242010: 720102011: 442012: 82013: 292014: 720142015: 8262016: 272017: 172018: 1020182019: 32020: 112021: 82022: 820222023: 32024: 272025: 22026: 22026826

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

1978: $1,45619781979: $64,4371980: $01981: $5,4251982: $3,39619821983: $19,2411984: $5,5451985: $3,1961986: $118,28119861987: $37,0301988: $10,0271989: $448,3221990: $54,61319901991: $49,2591992: $23,8341993: $44,3191994: $6,37719941995: $53,6431996: $7,8381997: $278,2801998: $27,65819981999: $1,0752000: $1122001: $4,2432002: $3,22820022003: $5,5142004: $119,8942005: $85,3522006: $37,98220062007: $02008: $35,9812009: $77,4402010: $261,44520102011: $736,5622012: $56,1632013: $380,1892014: $7,45720142015: $56.1 million2016: $171,7982017: $73,8032018: $147,92420182019: $16,2122020: $66,6092021: $13,9732022: $207,20420222023: $7,9802024: $514,3562025: $45,9032026: $24,8582026$56.1 million

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

Named flood events with the most claims

Event (FEMA name)Claims
October severe storms792
Hurricane Helene18
Hurricane Hugo16
Hurricane Matthew8
Hurricane Florence4
Hurricane Michael3
Flooding2
Hurricane Isaias2

ZIP codes with the most claims

ZIP code (as reported)Claims
29206400
29205203
29209135
29204123
29210115
2922382
2920369
2906364
2920149
2906141

864 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $53.3 million, contents $6.6 million, increased cost of compliance $504,937.

Flood insurance take-up

HomesWith NFIP policyShare
High-risk flood zone1,40797369.2%
All homes131,7281,7641.3%

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.