Flood Insurance in South Carolina

Local protection for the homes and businesses you’ve worked hard to build.

In South Carolina, flooding can happen almost anywhere. Heavy rain, tropical systems, overflowing rivers, and drainage issues can cause costly damage - even outside of high-risk flood zones. And most people are surprised to learn:

Flood damage isn’t automatically covered by most homeowners or commercial property insurance policies.

That’s why having the right flood coverage matters. Our agency works with families and business owners across South Carolina to help them understand their flood risk and choose coverage that truly fits their property and their needs.

Your Flood Insurance Options

We believe flood insurance shouldn’t be confusing. As an independent agency, we help you compare both NFIP and private market flood insurance options, explain the differences, and guide you to the right solution.

NFIP Flood Insurance (FEMA-backed)

Available through Write Your Own carriers like Selective, American Bankers, and Wright Flood to name a few.

• Accepted by all lenders
• Often required in high-risk zones
• Residential and commercial policies
• Standardized coverage limits
• Typically has a 30-day waiting period

Private Flood Insurance

Private flood insurance may offer broader coverage and more flexibility than NFIP. We work with Beyond Floods (backed by National General), Neptune, and several other trusted carriers.

Depending on eligibility, you may have access to:

• Higher coverage limits
• Replacement cost on contents
• Loss of use or business income coverage
• Shorter waiting periods
• Competitive pricing

We’ll help you compare coverage, not just price, so you can make an informed decision.

Coverage for More Than Just Homes

We help protect:

✔ Homeowners
✔ Condo owners & renters
✔ Vacation and investment properties
✔ Commercial buildings
✔ Business owners and landlords

Get a Flood Insurance Quote

Start online:        Click here to begin a Selective Flood quote through the National Flood Insurance Program (NFIP)

Prefer to speak with our team?

We’re happy to review your quote, adjust coverage, or compare Private Flood options that may offer broader protection or more competitive pricing.

If you’re an existing client, please contact your agent directly for assistance.   

If you’re a new client or need help getting to your agent, we’re here to help:
Email:  info@insurancebeaufort.com
Phone: 843-521-4000