Horry County, SC: Home-Insurance Distress & Forced-Sale Pressure
Horry County, SC: 92/100 (severe) home-insurance distress; Horry, SC band HIGH; Horry, SC #80 of 3,222 counties; Horry, SC #9 of 46 in South Carolina.
FEMA hazard, Horry, SC: 93/100; Horry, SC declarations, three years: 10; Horry, SC perils: 6 tropical-storm, 2 fire; Horry, SC five-year count 12 (severity 19.0); Horry, SC ten-year 12; hazard-weighted, Horry, SC: 22.0.
Declared incidents on the Horry, SC record: 2026 Winter Storm 2; 2025 Fire 2 (Horry, SC); 2024 Tropical Storm 6; 2023 Hurricane 1 (Horry, SC).
NFIP claims, Horry, SC, three years: 56; Horry, SC payouts $1,391,138; per Horry, SC claim $24,842; Horry, SC claim-stress 89/100.
Horry, SC monthly score held, 91 (March 2026) to 91 (October 2026); Horry, SC by month: March 91, April 91, May 93, June 93 (Horry, SC), July 91, August 92, September 92, October 91.
Horry, SC components: climate 93, NFIP claims 89; Horry, SC retreat index 91.
Construction distress, Horry, SC: 62/100 as of August 2026 (Horry, SC: 62/100 one-to-four unit, 70/100 multifamily).
Horry, SC ZIPs, June 2026 (Horry, SC, 16 highest): score 0 (Horry, SC), climate 98 (Horry, SC): 29511, 29526, 29527, 29544, Horry, SC 29545, 29566, 29568, 29569, Horry, SC 29572, 29575, 29577, 29579, Horry, SC 29582, 29588; score 0 (Horry, SC), climate 95 (Horry, SC): 29576; score 0 (Horry, SC), climate 93 (Horry, SC): 29581.
DLRadar rescores Horry, SC monthly; Horry, SC readings join Horry, SC foreclosure, lien and ownership parcels (Horry, SC), so cost-squeezed Horry, SC owners surface before listing.
Inside South Carolina, Horry County ranks 9th of 46 counties for home-insurance distress at 92/100; Spartanburg County (92/100) sits just above Horry County, and Dorchester County (91/100) sits just below Horry County.
Deterministic. Every Horry County, SC signal traces to a public Horry dataset (FEMA, NFIP, Census for Horry, SC) · how insurance distress works in Horry, SC · methodology
FAQ: Horry County, SC insurance distress
What is the Horry County, SC home-insurance-distress score?
Horry, SC: 92/100 (HIGH), #80 of 3,222, #9 in South Carolina. FEMA hazard, Horry, SC: 93/100; NFIP stress, Horry, SC: 89/100; construction, Horry, SC: 62/100; Horry, SC rescores monthly.
Is Horry County insurance distress getting better or worse (SC)?
Horry, SC: 91 in March 2026; Horry, SC: 91 in October 2026 (unchanged); Horry, SC climate component 93; Horry, SC NFIP claims score 89.
How many flood-insurance claims has Horry County, SC had?
Horry, SC: 56 NFIP claims, three years; Horry, SC paid $1,391,138; per Horry, SC claim $24,842; carriers reprice Horry, SC against that record.
Which Horry County ZIP codes carry the most insurance distress (SC)?
Horry, SC, June 2026: 29511 at 0, 29526 at 0, 29527 at 0, 29544 at 0; Horry, SC climate scores there: 98, 98, 98, 98.
Why does Horry, SC insurance distress create sellers?
A Horry, SC premium outruns the Horry, SC budget; a carrier leaves Horry, SC; Horry, SC carrying cost passes plan; Horry, SC owners sell while current; Horry, SC insurance distress leads Horry, SC foreclosure data.