Flood Insurance in South Carolina

According to the Federal Emergency Management Agency (FEMA), every county in South Carolina and Georgia is subject to flooding, yet only 12% of South Carolina's households maintain flood insurance. In addition to providing peace of mind, your mortgage requirements may require flood insurance, so it is best to understand your flood insurance options. Our C & H Insurance Associates, LLC team, serving the Hilton Head, SC area, will advise and work with you to structure coverage that best meets your needs.

Flood Insurance Considerations

Due to our location and history of hurricanes and tropical storms, it is critical to understand the following five aspects of flood insurance.

Your homeowner's or renter's policies will not cover flooding from water entering your home from the street, creeks, rivers, or storm surge. Only flood insurance covers the damage resulting from those events.

Your home's insurance and contents are purchased separately and have different deductibles.

While FEMA grants are helpful, they generally cover only part of the associated damage. Unfortunately, flood insurance is often necessary to restore your life to normal after a flood event.

The National Flood Insurance Program helps keep flood insurance policies affordable. Still, your coverage typically does not start until 30 days after you buy the policy, so buying sooner rather than later is best.

You do not control whether and how a flood will affect your home and family. However, protecting your family against the financial effects of a flood remains in your control.

Working with C & H Insurance Associates, LLC

C & H Insurance Associates, LLC proudly serves the Hilton Head, SC area and has experience with flood insurance issues in South Carolina and Georgia. We will work with you to structure a policy to protect your home and family against unforeseen events. Call or stop by today to discuss your flood insurance options.