What's happening to flood & wind insurance in the Lowcountry

A public, source-linked tracker for Beaufort and Jasper County homeowners: NFIP flood premiums, SC Wind Pool rates, rate filings, market moves and ways to save.

Free flood zone lookup

Type any Lowcountry address, from Hilton Head oceanfront to a Bluffton subdivision, and see its FEMA flood zone in plain English, with base flood elevation and a map.

Look up an address

47,785

NFIP policy terms, Beaufort Co. (2025)

$1,038

Avg NFIP premium, Beaufort Co. (2025)

$715

Avg NFIP premium, Jasper Co. (2025)

Verified SC filings tracked

NFIP figures: OpenFEMA NFIP Redacted Policies v3, refreshed 2026-10-16. See charts →

Latest market moves

2026-10-13 · WTOC

Insurance-cost roundtable held in Beaufort

U.S. Senate nominee Annie Andrews and Sen. Sheldon Whitehouse met homeowners and real-estate professionals about projected coastal premium increases. Source

2026-09-23 · Slide Insurance press release

Slide expands SC homeowners products

Slide announced new HO3, HO5 and HO6 products statewide in South Carolina through Slide Specialty Insurance Company, citing a focus on coastal capacity. Source

2026-07-13 · SCDOI press release

SC Safe Home grant portal reopens

SCDOI reopened the SC Safe Home mitigation grant portal; grants typically $4,000–$7,500 for eligible coastal owner-occupied homes, until funds run out. Source

All market moves →

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