Why Flood Insurance is Important in The Lowcountry

Living in the beautiful Lowcountry of South Carolina comes with its own set of unique advantages and challenges. The rich history, stunning architecture, and vibrant cultural scene make it a wonderful place to call home. However, the Lowcountry’s geographic location and topography also make it susceptible to flooding, a risk that every homeowner in the area should take seriously. This is where the importance of flood insurance comes into play.

Understanding the Risk

The Lowcountry is known for its beautiful coastlines and waterways, but these features also contribute to its vulnerability to flooding. The area experiences frequent coastal storms and hurricanes, which can bring significant storm surges and heavy rainfall. As the name implies, the Lowcountry’s low-lying areas are prone to tidal flooding and drainage issues, exacerbating the risk.

If you are considering a home in our area, you should learn which flood zone the home is located in and what the flood zones mean.  We can share this information with you, and you can also find it on FEMA’s website.  Flood Zone definitions can be found here.  Note: if the home is in an X zone, which is commonly referred to as a “non-flood” zone, please know that 20% of flood claims come from these “non-flood” zones. You can never be too careful.

Financial Implications Without Flood Insurance

It’s important to understand that standard homeowners’ insurance policies typically do not cover flood damage. Without flood insurance, property owners may face enormous out-of-pocket costs for repairs and replacements. After a flood event, the financial burden of restoring a home can be overwhelming, potentially running into tens of thousands of dollars or more.

How to Get Flood Insurance

In the Lowcountry, flood insurance can typically be purchased through the National Flood Insurance Program (NFIP) or from private insurers. The NFIP is a federal program offering flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Local insurance agents can provide quotes and help explain the differences in coverage and costs between NFIP and private insurance options.  If you are taking out a mortgage on your new home, your lender will require flood insurance, so it is important to work on obtaining this coverage as soon as you go under contract on your new home.

Preparing for the Future

For Lowcountry residents, flood insurance is not just advisable; it’s essential. It ensures that you are prepared and protected against one of nature’s most common and destructive disasters. Remember, it’s not about whether a flood might occur—it’s about being prepared when one does. Investing in flood insurance is investing in your peace of mind and the continued enjoyment of your beautiful Lowcountry home.

Need a recommendation for an insurance agent?  Let us know!  We’d be happy to share our resources with you.


Lauren & Cambron | Lauren Zurilla & Associates