South Carolina Home-Insurance Distress by County

South Carolina reads among the most severe in the country for home-insurance distress — an average county score of 80/100, 2nd-highest of 52 states and territories. All 46 South Carolina counties are scored for the premium spikes, non-renewals and carrier exits that create insurance-driven sellers ahead of mortgage distress.

Underneath the South Carolina headline sit three separable layers — hazard exposure, flood-loss history and carrier pullback — each scored on its own before rolling up, so the state number describes a mix of risks rather than a single cause.

A among the most severe in the country statewide reading tells a South Carolina buyer the coverage squeeze is present but concentrated — the work is finding the counties carrying it, which the ranked list below does.

In 36 South Carolina counties the score tops 70 (severe) — the markets where keeping a policy is the real problem.

Orangeburg County leads South Carolina at 96/100, with Bamberg County close behind. The table underneath sorts all South Carolina counties by insurance distress, with a link to each detail page.

DLRadar treats the South Carolina insurance signal as one layer of a stack — it sits alongside foreclosure filings, bank stress and ownership turnover for the same counties, so you can tell whether coverage cost is compounding other distress or driving it on its own.

South Carolina's reading is built on an average FEMA hazard score of 93/100 and average NFIP flood-claim stress of 64/100; those are the risks behind rate hikes and non-renewals here.

NFIP paid $27,901,174 across 986 South Carolina flood claims in three years; that ledger is what reprices coverage statewide.

Because South Carolina is rebuilt monthly from fresh FEMA, NFIP and carrier inputs, its #2 national rank and county order move with actual conditions, not a fixed snapshot.

Treated properly, South Carolina's insurance distress is a lead source: it flags owners whose breaking point is the policy, and the ranked counties below are where to start.

DLRadar scores insurance distress monthly for every U.S. county from FEMA, NFIP and carrier-pressure data, then ties it to parcel-level foreclosure, tax-lien and ownership signals. That surfaces South Carolina's insurance-squeezed sellers ahead of the market.