State Risk Profile
South Carolina SC
South Carolina mixes coastal flood and hurricane exposure with inland heat and heavy-rain flooding.
Statewide Profile
- Population
- 5.4M
- Insurance Market
- Moderate Pressure
- Cities Profiled
- 7
- Last Reviewed
- 2026-06-06
Risk Summary
South Carolina's risk profile is strongest along the coast, but inland flooding and heat remain meaningful statewide concerns.
Charleston and the Grand Strand carry the sharpest coastal burden, while inland communities face rain-driven flooding and heat.
Insurance Market
Insurance is more pressured in low-lying coastal markets, though flood-related costs can still affect inland buyers.
- Tidal and backwater flooding are both meaningful on the coast.
- Heat and roof-condition issues matter across the state.
Notable Events
Significant state-level events
South Carolina flood
Historic rainfall caused severe flooding and infrastructure disruption.
Hurricane Hugo
A defining coastal storm event still shaping regional risk memory.
City Directory
7 cities profiled in South Carolina
Charleston
Charleston County
Columbia
Richland County
Florence
Florence County
Greenville
Greenville County
Hilton Head Island
Beaufort County
Myrtle Beach
Horry County
North Charleston
Charleston County
Location Reports
Active Address Risk Reports in South Carolina
Explore parcel-level climate risk snapshots and insurance cost estimates for ZIP codes in South Carolina.