Flooding is one of the most common natural disasters in South Carolina, and standard homeowners policies don’t cover flood damage.
Key Facts to Know:
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Fast Tip: Keep receipts for repairs and cleanup to streamline the claims process.
Helpful Tip: Private insurers may offer shorter waiting periods and customizable terms.
The cost of flood insurance depends on several key factors. Properties located in high-risk flood zones generally come with higher premiums. The age, condition, and elevation of your home also play a role, as older or lower-elevated homes may be more susceptible to damage. Your chosen coverage limits and deductibles affect pricing too—higher coverage and lower deductibles usually mean higher costs. Additionally, changes to FEMA flood maps can impact your rate if your property is reclassified into a different flood zone. The good news is, you can take steps to reduce your premiums by elevating your home, installing flood vents, or opting for a higher deductible.
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