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What You Need to Know About Flood Insurance
· Flood insurance is not included on most policies; stand-alone flood policies are available through the National Flood Insurance Program (NFIP) or Private Markets – our agency has access to both.
· If your home was built after 1974, you will need a flood elevation certificate in order to apply for a NFIP flood policy. Most Private Market flood carriers so not require an elevation certificate.
· Every property is located in a Flood Zone – we can assist you in determining which zone you are in, or you can find it via www.floodsmart.gov.
· Being in an X Zone does not mean that your house will not experience a flood loss, only that your house is “less likely” to experience a flood loss than a house that is located in an AE or VE Zone.
New Charleston County flood maps are effective January 29, 2021 and as a result, many homes are being moved to lower risk flood zones. This does not mean you no longer need flood insurance! Remember that Mother Nature had no voice in the new maps and flooding may still occur, so do not rely solely on the maps for any decision making. More information on the new maps can be found below.
Recent News on NFIP flood map revision.
FEMA has drawn up new flood maps for Charleston County and these maps will become effective on January 29, 2021. These maps were actually prepared in 2016.
These maps cause many properties in the high-risk VE flood zone to move to a moderate-risk AE flood zone. Also the Base Flood Elevation for most areas has been lowered by several feet. Many policyholders will thus see lower premiums even if their home stays in the same flood zone.
Many properties now in the moderate-risk AE Flood Zone are moved to the low-risk X Flood Zone.
Insurance companies writing FEMA flood policies will start making changes to policies when the flood policies renew after January 29, 2021. In most cases, no action is required by the policyholder – the insurance company will automatically make the necessary changes.
Check out the these articles for more information about flood insurance:
FEMA Flood Map Revision - What Do I Need To Do?
Should I keep my FEMA Flood Policy since my home is in Zone X?
Base Flood Elevation Change = Premium Change?
News on NFIP Flood Map Revisions (2017)
Flood Preparedness Guide
What happens when your home moves from an AE Flood Zone to an X Flood Zone?
We provide Flood Insurance in Charleston, Mt. Pleasant, Summerville, Daniel Island, James Island, John's Island, West Ashley, Goose Creek, Moncks Corner, Walterboro, North Charleston, Isle of Palms, Edisto, Myrtle Beach, Bluffton, Beaufort, Savannah, Hilton Head and the surrounding area in South Carolina.