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The inland towns of York and Clover have been spared the deluge of floodwater witnessed in other parts of South Carolina, including Columbia and Charleston. Still, York and Clover along with all other communities in South Carolina arent immune from flooding.
Most lenders require property owners to carry flood insurance under the NFIP for structures within the Special Flood Hazard Area (SFHA) as determined by the currently effective FIRM. Lenders may require property owners to carry flood insurance even for buildings outside of the SFHA.
Zone A, Zones A1-A30 and Zone AE are subject to flooding by the base or 100-year flood (1% annual chance), and are considered high-risk areas. Zone B (or shaded Zone X) is subject to flooding by the 500-year flood (0.2% annual chance), and is a moderate risk area.
The FEMA Flood Map Service Center (MSC) is the official online location to find all flood hazard mapping products created under the National Flood Insurance Program, including your communitys flood map.
Flood-prone areas have been identified in every county, city and town in South Carolina. Approximately 172,156 buildings and structures are located in mapped flood-prone areas. Flash floods and hurricane surge flooding are dangerous. Since 1903, 165 people have died in flood-related disasters.

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Defining AE flood zones Since these areas are prone to flooding, homeowners with mortgages from federally regulated lenders are required to purchase flood insurance through the NFIP.
Areas with a 1% annual chance of flooding and a 26% chance of flooding over the life of a 30‐year mortgage. Because detailed analyses are not performed for such areas; no depths or base flood elevations are shown within these zones. Last updated June 22, 2022.
Enter the FEMA Flood Map Store at . Digital scans of flood maps can be downloaded or hardcopy maps can be ordered. docHub the Map Store by calling (800) 358-9616. FEMA prepares Flood Insurance Studies and Flood Insurance Rate Maps (FIRMs) for communities in South Carolina.
Flood insurance is not required for homeowners unless you live in a high-risk flood zone. However, many homeowners who have flood damage dont live in flood zones or have flood insurance.
On average, the cost of flood insurance in South Carolina can range from $630 to $680 per year. Thats a good amount less than the national average, which is over $950 per year.

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