Why Coastal Risk Is Increasing in South Carolina
Population growth, rising sea levels, and stronger storms have increased flooding frequency in coastal cities and barrier islands. Communities such as Charleston, Hilton Head, and Myrtle Beach experience recurrent high-tide flooding and erosion. Marshlands and low elevations contribute to greater storm surge vulnerability.
How Coastal Risk Affects Homeowners Insurance
Flood damage is excluded from standard homeowners insurance and must be insured separately through the National Flood Insurance Program or private flood carriers. Insurers also apply separate hurricane or wind deductibles near the coast. Underwriters evaluate roof age, structure, and elevation when determining coverage terms. Homes built to newer standards are easier to insure, while older ones may need updates or specialty coverage.
What to Do if Your Policy Is Not Renewed
If you receive a non-renewal notice, request the reason in writing. Many issues can be corrected through maintenance or upgrades, such as replacing a roof or adding shutters. Keep records of improvements and inspection reports. An insurance agent familiar with coastal properties can help locate other markets if needed. Continuous coverage prevents gaps that may complicate future insurance applications.
How to Strengthen a Home Against Coastal Hazards
- Install a Class A or metal roof with hurricane clips.
- Add impact-rated windows or storm shutters.
- Elevate utilities and living areas above base flood elevation.
- Replace siding with wind- and moisture-resistant materials.
- Anchor decks, carports, and exterior features.
- Seal vents and joints to prevent water intrusion.
- Maintain gutters and downspouts to direct water away from foundations.
Community Preparedness and Prevention
Local governments maintain evacuation routes and emergency alerts. Homeowners should stay informed, prepare a supply kit, and participate in community drainage and flood prevention projects. These efforts strengthen collective safety and reduce losses during major storms.
Staying Protected in a Changing Environment
Coastal living in South Carolina comes with challenges, but proper planning, building maintenance, and comprehensive insurance allow homeowners to reduce risk and protect their property year after year.