Berkeley County, SC: Home-Insurance Distress & Forced-Sale Pressure
Berkeley County, SC: 95/100 (severe) home-insurance distress; Berkeley, SC band HIGH; Berkeley, SC #30 of 3,222 counties; Berkeley, SC #6 of 46 in South Carolina.
FEMA hazard, Berkeley, SC: 99/100; Berkeley, SC declarations, three years: 15; Berkeley, SC perils: 3 hurricane, 9 tropical-storm; Berkeley, SC five-year count 12 (severity 18.0); Berkeley, SC ten-year 12; hazard-weighted, Berkeley, SC: 42.0.
Declared incidents on the Berkeley, SC record: 2026 Winter Storm 2; 2024 Tropical Storm 6 (Berkeley, SC); 2024 Hurricane 2; 2023 Hurricane 1 (Berkeley, SC).
NFIP claims, Berkeley, SC, three years: 42; Berkeley, SC payouts $1,529,537; per Berkeley, SC claim $36,418; Berkeley, SC claim-stress 91/100.
Berkeley, SC monthly score held, 93 (March 2026) to 93 (October 2026); Berkeley, SC by month: March 93, April 93, May 94, June 94 (Berkeley, SC), July 93, August 94, September 94, October 93.
Berkeley, SC components: climate 95, NFIP claims 91; Berkeley, SC retreat index 93.
Construction distress, Berkeley, SC: 37/100 as of August 2026 (Berkeley, SC: 37/100 one-to-four unit, 34/100 multifamily).
Berkeley, SC ZIPs, June 2026 (Berkeley, SC, 16 highest): score 0 (Berkeley, SC), climate 99 (Berkeley, SC): 29406; score 0 (Berkeley, SC), climate 97 (Berkeley, SC): 29456; score 0 (Berkeley, SC), climate 96 (Berkeley, SC): 29450; score 0 (Berkeley, SC), climate 95 (Berkeley, SC): 29410, 29431, 29434, 29436, Berkeley, SC 29445, 29453, 29461, 29468, Berkeley, SC 29469, 29479, 29483, 29486, Berkeley, SC 29492.
DLRadar rescores Berkeley, SC monthly; Berkeley, SC readings join Berkeley, SC foreclosure, lien and ownership parcels (Berkeley, SC), so cost-squeezed Berkeley, SC owners surface before listing.
Inside South Carolina, Berkeley County ranks 6th of 46 counties for home-insurance distress at 95/100; Pickens County (96/100) sits just above Berkeley County, and Beaufort County (94/100) sits just below Berkeley County.
Deterministic. Every Berkeley County, SC signal traces to a public Berkeley dataset (FEMA, NFIP, Census for Berkeley, SC) · how insurance distress works in Berkeley, SC · methodology
FAQ: Berkeley County, SC insurance distress
What is the Berkeley County, SC home-insurance-distress score?
Berkeley, SC: 95/100 (HIGH), #30 of 3,222, #6 in South Carolina. FEMA hazard, Berkeley, SC: 99/100; NFIP stress, Berkeley, SC: 91/100; construction, Berkeley, SC: 37/100; Berkeley, SC rescores monthly.
Is Berkeley County insurance distress getting better or worse (SC)?
Berkeley, SC: 93 in March 2026; Berkeley, SC: 93 in October 2026 (unchanged); Berkeley, SC climate component 95; Berkeley, SC NFIP claims score 91.
How many flood-insurance claims has Berkeley County, SC had?
Berkeley, SC: 42 NFIP claims, three years; Berkeley, SC paid $1,529,537; per Berkeley, SC claim $36,418; carriers reprice Berkeley, SC against that record.
Which Berkeley County ZIP codes carry the most insurance distress (SC)?
Berkeley, SC, June 2026: 29406 at 0, 29456 at 0, 29450 at 0, 29410 at 0; Berkeley, SC climate scores there: 99, 97, 96, 95.
Why does Berkeley, SC insurance distress create sellers?
A Berkeley, SC premium outruns the Berkeley, SC budget; a carrier leaves Berkeley, SC; Berkeley, SC carrying cost passes plan; Berkeley, SC owners sell while current; Berkeley, SC insurance distress leads Berkeley, SC foreclosure data.