South Carolina Home-Insurance Distress by County

South Carolina reads among the most severe in the country for home-insurance distress — 46 counties averaging 82/100, 2nd of 52 states.

37 of South Carolina's 46 counties score 70 or higher (severe).

South Carolina's reading rests on a FEMA hazard average of 96/100 and NFIP flood-claim stress of 64/100.

Over three years South Carolina counties filed 1,009 NFIP flood claims, $28,458,927 paid.

Highest in South Carolina: Orangeburg County 97/100 (#19 US), Bamberg County 96/100 (#21 US), Greenville County 96/100 (#25 US), Colleton County 96/100 (#26 US), Pickens County 96/100 (#28 US).

South Carolina counties by insurance band: 35 high (South Carolina), 11 medium; South Carolina NFIP claims, three years: 1,009; South Carolina payouts $28.5 million.

South Carolina counties with the most NFIP claims: Greenville 177 ($4.7 million); Charleston 172 ($3.2 million); Beaufort 82 ($1.6 million) in South Carolina; Dorchester 74 ($3.1 million); Colleton 61 ($2.2 million).

South Carolina county average fell: 78.5 in March 2026; South Carolina reads 78.4 in October 2026; South Carolina by month: March 78.5, April 78.5, May 80.7 (South Carolina), June 80.7, July 78.8, August 80.3 (South Carolina), September 79.6, October 78.4.

Highest South Carolina ZIPs, insurance distress: 34224 81 (climate 94), 31525 60 (climate 82) in South Carolina, 31524 60 (climate 82), 31522 60 (climate 82) in South Carolina, 31527 60 (climate 82), 31561 60 (climate 82) in South Carolina.

Reading the South Carolina bands: 35 of 46 South Carolina counties sit in a high or worse insurance band; South Carolina filed 1,009 NFIP claims in three years, $28.5 million paid to South Carolina policyholders; a South Carolina county's band moves when FEMA hazard revisions, new South Carolina NFIP settlements or carrier filings change its monthly score.