Flood insurance cost in South Carolina
In South Carolina, the lowest private flood insurance quote ran $551 a year and the typical private quote ran $1,249. The NFIP quote ran $1,177.
Private and NFIP quotes compared
Where a property was quoted both ways, the lowest private quote came in a median 57% below the NFIP quote, and private was the cheaper option for 86% of those 70 properties. The typical private quote came in 1% above NFIP.
Median annual premiums from 1,140 carrier quotes. Lowest is the cheapest private quote a property received, typical is the middle one.
By flood zone and property type
| Group | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| Zone X, B and C (moderate to low risk) | $412 | $747 | $856 | 619 |
| Zone A, AE, AH and AO (high risk) | $1,026 | $2,508 | $2,209 | 516 |
| Residential properties | $553 | $1,193 | $1,177 | 1,121 |
How quotes have moved since 2020
- Lowest private quote$558 in 2026
- Typical private quote$1,681 in 2026
- NFIP quote$1,403 in 2026
Dashed lines span years with too few quotes to report a figure.
* 2026 is still in progress and runs through the latest update.
| Year | Lowest private | Typical private | NFIP | Carrier quotes |
|---|---|---|---|---|
| 2020 | $929 | $1,919 | $1,672 | 572 |
| 2021 | $849 | $1,876 | $797 | 471 |
| 2022 | $899 | $2,229 | n/a | 168 |
| 2023 | $624 | $1,230 | n/a | 217 |
| 2024 | $740 | $1,530 | $1,511 | 432 |
| 2025 | $553 | $1,146 | $1,056 | 554 |
| 2026* | $558 | $1,681 | $1,403 | 458 |
Counties in South Carolina
| County | Lowest private | Typical private | NFIP | Lowest private vs NFIP | Carrier quotes |
|---|---|---|---|---|---|
| Charleston County | $520 | $1,193 | $1,166 | n/a | 275 |
Only places where at least 20 different properties were quoted in the period are listed.
See what your property is quoted
The index is a median. Your price depends on your flood zone, elevation and coverage. Compare NFIP and private carriers for your address.
Common questions
- How much does flood insurance cost in South Carolina?
- From Oct 2024 to Oct 2026, the typical private flood insurance quote in South Carolina was $1,249 a year and the lowest private quote a property received was $551. NFIP quotes ran $1,177. These are medians of quotes run through Insurox, not premiums paid, and your own price depends on your property.
- Is private flood insurance cheaper than NFIP in South Carolina?
- Where a property was quoted both ways, the lowest private quote came in a median 57% below the NFIP quote, and private was the cheaper option for 86% of those 70 properties. The typical private quote came in 1% above NFIP.
- How much does the flood zone change the price in South Carolina?
- Properties in high-risk A zones were quoted a typical $2,508 a year for private flood insurance, against $747 in moderate to low risk X zones. The lowest quotes ran $1,026 and $412.
- Where do these numbers come from?
- From 1,140 carrier quotes returned to property owners who asked for flood insurance quotes through Insurox between Oct 2024 to Oct 2026. A place is only published when at least 20 different properties were quoted there.
More about flood insurance in South Carolina
- Flood insurance in South Carolina: what it covers, who needs it and how to get quotes.
- NFIP (FEMA) flood insurance
- Private flood insurance
- Commercial flood insurance
These figures are statistics about quotes, not an offer of insurance. Read how the index is calculated or go back to the national index.