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South Carolina · Risk Readiness
What's actually likely where you live.
Before the emergency — maps, tools, and the honest picture of what South Carolina throws at different parts of the state.
See SC hazardsSC hazard profile
Primary hazards. Ranked.
South Carolina's risk profile is driven by its coastal exposure. The state averages a direct or near-direct hurricane impact every 6–10 years, with Hugo (1989) and the surge from Matthew (2016) demonstrating the catastrophic potential. The Midlands and Pee Dee region face tornado risk from embedded supercells in tropical systems. Flooding is the most frequent killer — both from tropical systems pushing inland and from slow-moving thunderstorm complexes over already-saturated soil.
Hurricanes & tropical storms
Direct landfalls and tropical moisture bring catastrophic wind, surge, and inland flooding.
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Tornadoes
Occur across most of the state, often embedded in severe thunderstorm lines and tropical systems.
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Flooding
Flash floods, river flooding, and coastal surge affect low-lying areas and river corridors.
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Severe thunderstorms
Damaging straight-line winds, large hail, and lightning — March through October.
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Heat waves
Extreme heat events endanger vulnerable residents and stress power infrastructure.
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Official tools
Look up your address. Know your risk.
FEMA Flood Zone Lookup
Enter your address to see your flood zone designation and insurance requirements.
Source: FEMA
USGS Earthquake Map
Real-time earthquake activity and seismic hazard maps for your region.
Source: USGS
Wildfire Risk Score
Your property's wildfire exposure score based on vegetation, terrain, and proximity to wildland.
Source: USFS
River Gauges
Real-time river levels and flood stage by county.
Source: USGS WaterWatch
Drought Monitor
Weekly drought conditions by county.
Source: US Drought Monitor
Private Well Resources
Water quality guidance for households on private wells.
Source: EPA
Insurance gaps
What your homeowner's policy doesn't cover.
South Carolina's coastal homeowner's insurance market is one of the most stressed in the country. The SC Wind and Hail Underwriting Association (Beach Plan) provides last-resort coverage for coastal properties that can't get private market coverage. Standard policies exclude flood — and SC's coastal plain saw widespread flooding from Matthew (2016) and Dorian (2019) in areas not previously considered high-risk. Flood insurance has a 30-day waiting period; it cannot be purchased when a storm is forecast.
Not in your standard policy
Flood damage — requires NFIP or private flood policy
Earthquake damage — requires separate endorsement
Sewer & drain backup — requires endorsement ($50–$100/yr)
Landslide / mudflow — generally excluded
Next steps
Where do you want to go next?
During an emergency
Find alerts, contacts, and shelters.
SC emergency contacts, alert signups, and real-time information.
Local EmergencyGet prepared
Run through the SC checklist.
Step-by-step actions based on the hazards that apply to South Carolina.
SC Checklists