South Carolina Flood Insurance

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  • South Carolina Flood Insurance

South Carolina is susceptible to flooding all over the state. From the banks of the Atlantic Ocean to the state’s many lakes, ponds and streams, heavy rainfall, hurricane season and other natural-weather events cause catastrophic floods across the state nearly every year. The only way to sufficiently protect your property is to purchase a South Carolina flood insurance policy.

Since the state sees many floods and most of it is within FEMA’s 100-year floodplain, the average cost of flood insurance in South Carolina is a bit above the national average. But it’s worth every penny because you never know when a flood will occur. At Clovered, our team of friendly agents can pair you with a policy that meets your coverage needs and your budget within minutes.

What Flood Insurance Covers in South Carolina

South Carolina sees incidents like overflowing rivers or bodies of water, torrential rains that seep in through the ground and many other instances involving liquid perils. Here’s what’s covered by South Carolina flood insurance.

Structure & Foundation

☘ Your home’s physical structure and its foundation, meaning the essential pieces that make up your home, are covered by flood insurance. This can be anything from flooring and drywall to built-in cabinets and electrical wiring.

Personal Belongings

☘ Flood insurance can help pay to repair or replace your personal belongings that were damaged or destroyed directly by flooding. This coverage extends to things like TVs, computers and other electronics to furniture and clothes.

Home Appliances

☘ When floodwaters enter a home, they tend to damage or destroy a handful of appliances in your home. Luckily, flood insurance can help replace many of those appliances, like your HVAC unit, water heater, dishwasher and much more.

How Much Is Flood Insurance in South Carolina?

The average cost of flood insurance in South Carolina is only about $700 per year. Your premium price depends on how much coverage you maintain, how close your home is to the nearest bodies of water and what it sits in with FEMA’s 100-year floodplain.

The price of flood insurance in South Carolina is great compared to the amount of coverage you get. It’s worth the investment. Especially if you consider a single flood claim could pay for a lifetime’s worth of premiums.

How to Get Flood Insurance in South Carolina

With Clovered, you can call one of our many licensed agents today at 833-255-4117 so they can pair you with a South Carolina flood insurance policy that fits your needs — and your budget.

We partner with the best flood insurance companies in South Carolina to make sure each of our policyholders has the option to add a South Carolina flood policy to their home insurance.

Stay Above Water With Flood Insurance

Do you want to pay for costly and common flood damage yourself or have an insurance policy pick up the tab?

The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.