Charleston County, SC: Home-Insurance Distress & Forced-Sale Pressure
Charleston County, SC: 82/100 (severe) home-insurance distress; Charleston, SC band HIGH; Charleston, SC #281 of 3,222 counties; Charleston, SC #27 of 46 in South Carolina.
FEMA hazard, Charleston, SC: 78/100; Charleston, SC declarations, three years: 6; Charleston, SC perils: 4 tropical-storm; Charleston, SC five-year count 8 (severity 12.0); Charleston, SC ten-year 8; hazard-weighted, Charleston, SC: 12.0.
Declared incidents on the Charleston, SC record: 2026 Winter Storm 2; 2024 Tropical Storm 4 (Charleston, SC); 2023 Hurricane 1 (Charleston, SC).
NFIP claims, Charleston, SC, three years: 172; Charleston, SC payouts $3,208,428; per Charleston, SC claim $18,654; Charleston, SC claim-stress 89/100.
Charleston, SC monthly score fell, 83 (March 2026) to 82 (October 2026); Charleston, SC by month: March 83, April 83, May 87, June 87 (Charleston, SC), July 84, August 87, September 83, October 82.
Charleston, SC components: climate 77, NFIP claims 89; Charleston, SC retreat index 82.
Construction distress, Charleston, SC: 70/100 as of August 2026 (Charleston, SC: 66/100 one-to-four unit, 79/100 multifamily).
Charleston, SC ZIPs, June 2026 (Charleston, SC, 16 highest): score 0 (Charleston, SC), climate 99 (Charleston, SC): 29401, 29403, 29404, 29405, Charleston, SC 29406, 29407, 29409, 29412, Charleston, SC 29424, 29425, 29429, 29439, Charleston, SC 29449, 29451, 29455, 29458.
DLRadar rescores Charleston, SC monthly; Charleston, SC readings join Charleston, SC foreclosure, lien and ownership parcels (Charleston, SC), so cost-squeezed Charleston, SC owners surface before listing.
Inside South Carolina, Charleston County ranks 27th of 46 counties for home-insurance distress at 82/100; Florence County (83/100) sits just above Charleston County, and Aiken County (82/100) sits just below Charleston County.
Deterministic. Every Charleston County, SC signal traces to a public Charleston dataset (FEMA, NFIP, Census for Charleston, SC) · how insurance distress works in Charleston, SC · methodology
FAQ: Charleston County, SC insurance distress
What is the Charleston County, SC home-insurance-distress score?
Charleston, SC: 82/100 (HIGH), #281 of 3,222, #27 in South Carolina. FEMA hazard, Charleston, SC: 78/100; NFIP stress, Charleston, SC: 89/100; construction, Charleston, SC: 70/100; Charleston, SC rescores monthly.
Is Charleston County insurance distress getting better or worse (SC)?
Charleston, SC: 83 in March 2026; Charleston, SC: 82 in October 2026 (better); Charleston, SC climate component 77; Charleston, SC NFIP claims score 89.
How many flood-insurance claims has Charleston County, SC had?
Charleston, SC: 172 NFIP claims, three years; Charleston, SC paid $3,208,428; per Charleston, SC claim $18,654; carriers reprice Charleston, SC against that record.
Which Charleston County ZIP codes carry the most insurance distress (SC)?
Charleston, SC, June 2026: 29401 at 0, 29403 at 0, 29404 at 0, 29405 at 0; Charleston, SC climate scores there: 99, 99, 99, 99.
Why does Charleston, SC insurance distress create sellers?
A Charleston, SC premium outruns the Charleston, SC budget; a carrier leaves Charleston, SC; Charleston, SC carrying cost passes plan; Charleston, SC owners sell while current; Charleston, SC insurance distress leads Charleston, SC foreclosure data.