Charleston
Flood Insurance
Do you Need Flood Insurance?
Flood insurance is essential for protecting your home and belongings from the devastating effects of rising waters. Standard homeowners insurance typically does not cover flood damage, leaving many properties vulnerable to costly repairs and losses.
Don’t wait for the storm to hit—protect your home with flood insurance today. Just a few inches of water can cause thousands in damage, and most homeowners policies don’t cover it. At Coastal Insurance Brokers, we specialize in affordable, reliable flood insurance tailored to South Carolina’s coastal risks. Whether you’re in a high-risk zone or not, flooding can happen anytime—be ready. Get your free quote now and gain peace of mind before the next rainfall.
Why Flood Insurance Matters in Charleston
Most homeowners don’t realize flood damage isn’t covered by a standard homeowners policy. With hurricanes, king tides, and heavy rains across the Lowcountry, flooding is a yearly risk. We review your elevation and exposure, compare carriers, and recommend coverage that protects your home and your wallet.
Frequently Asked Questions
Is flood insurance required in Charleston?
If your home is in a FEMA high-risk flood zone and you have a mortgage, your lender will likely require it. Even outside high-risk zones, coverage is strongly recommended in the Lowcountry
How much does flood insurance cost?
Rates depend on elevation, location, and coverage limits. We compare multiple carriers to find an affordable option for your property.
Do I need flood insurance if I’m not in a high-risk zone?
Yes—many claims come from moderate-to-low risk areas. It’s often inexpensive protection for the exposure we see here.
How quickly can coverage start?
Some policies have a waiting period. We’ll walk you through options and timelines so you’re covered before the next storm.
Get a Quote
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Why Choose Coastal Insurance Brokers?
- Local Expertise — Charleston & Mount Pleasant agents who understand Lowcountry risks.
- 25+ Carriers Compared — We shop the market to match price and protection.
- Fast, Friendly Service — Real people, quick answers, help with claims.
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Check out our Insurance Blog for more information about Flood Insurance in SC Coastal Areas.
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Not sure what insurance coverage you need?
We're here to help! Call us today at (843) 471-2621 to discuss your insurance needs.