Lowcountry The SC Wind Pool (SCWHUA), explained
The South Carolina Wind & Hail Underwriting Association writes wind and hail coverage for properties in a defined coastal territory when the private market won't. It's often paired with a homeowners policy that excludes wind. Official site: scwind.com.
Latest rate change
Effective February 1, 2026 for new and rewrite business: +8.0% base rate on dwelling policies and +25.6% on mobile home policies. The prior increase was June 1, 2024. SCWHUA Bulletin 25-02.
SCDOI's 2025 Coastal Property Report describes the filing as 7.5% (dwelling) and 25% (mobile home). It also reports the Association has lost over two-thirds of its policies since August 2011, including 8,490 in Beaufort County.
Mitigation credits
| Credit | Amount | Requirement |
|---|---|---|
| SC Safe Home standards met | 5% | SC Safe Home inspection plus contractor letter |
| Other mitigation measures (on qualifying structures) | Varies by number of measures | See the Association's notice |
| IBHS "Fortified … For Safer Living" | 20% | IBHS certificate (older program — confirm with the Wind Pool whether FORTIFIED Roof qualifies) |
Source: SCWHUA Dwelling Mitigation Notice. Bulletins: scwind.com/bulletin2.htm.