Flood history · Charleston, SC 29407
Flood insurance claims in Charleston, SC 29407
2,265 claims since 1978 and $26.1 million paid. Here's what the public record shows, and how to check a specific address.
Claims by year
Every NFIP flood insurance claim reported in ZIP 29407 since 1978.
What the record says
76% of claims were on properties in high-risk zones and 24% outside them.
Losses are spread across many events; the largest, Hurricane Hugo, accounts for 37% of claims.
344 claims were filed in the last 10 years.
The most commonly recorded cause is tidal water overflow: coastal surge and high tides.
Charleston, City Of takes part in FEMA's Community Rating System (class 6), which can lower flood insurance premiums by up to 20% in high-risk zones.
Biggest flood events
| Event | Year | Claims | Share |
|---|---|---|---|
| Hurricane Hugo | 1989 | 835 | 37% |
| October severe storms | 2015 | 310 | 14% |
| Hurricane Irma | 2017 | 179 | 8% |
| Hurricane Matthew | 2016 | 167 | 7% |
| Unnamed flooding | 1987 | 63 | 3% |
| Hurricane Ian | 2022 | 44 | 2% |
Flood zone at time of claim
NFIP communities
Federal disaster declarations in Charleston County
Flood, hurricane and storm declarations since 2000.
19 flood, storm or hurricane declarations for Charleston County since 2000.
Check a specific address in Charleston.
ZIP-level history is the backdrop. See the official FEMA flood zone, ground elevation and next steps for one property, free.
Nearby South Carolina ZIP codes
Sources: FEMA OpenFEMA NFIP Redacted Claims (v3) and Disaster Declarations Summaries, FEMA NFIP Community Status Book; place names from GeoNames (CC BY 4.0). Data as of 2026-10-09. Payments are net building + contents payments in dollars at the time paid, not adjusted for inflation. Claims are grouped by the ZIP code reported on the claim. This product uses the FEMA OpenFEMA API but is not endorsed by FEMA. Information only; not an official flood zone determination or insurance advice.
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