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COUNTY / FEMA SAMPLE

Charleston County, SC flood risk and hazards

FEMA rates coastal flooding and hurricane risk as Very High in Charleston County, SC. Modeled losses from natural hazards (expected annual loss) average about $500 million a year, for a population of 407,722. These county figures come from the FEMA National Risk Index, December 2025 release. Observation windows vary by metric and sit beside the tables below.

Modeled expected annual loss
$499.8 million / year
US loss rank
#33 of 3,232
State loss rank
#1 of 46
Loss per resident
$1,226 · state $584 · US $459
FEMA overall risk rating
Relatively High

South Carolina county modeled loss

Greenville County, SC: 33.81% of Charleston lossBamberg County, SC: 1.86% of Charleston lossChester County, SC: 2.17% of Charleston lossUnion County, SC: 2.50% of Charleston lossFlorence County, SC: 13.04% of Charleston lossSaluda County, SC: 1.63% of Charleston lossAnderson County, SC: 13.47% of Charleston lossGreenwood County, SC: 5.46% of Charleston lossCharleston County, SC: $499.8 millionYork County, SC: 19.86% of Charleston lossJasper County, SC: 5.77% of Charleston lossBeaufort County, SC: 51.14% of Charleston lossChesterfield County, SC: 4.50% of Charleston lossDorchester County, SC: 35.17% of Charleston lossClarendon County, SC: 4.68% of Charleston lossDarlington County, SC: 4.48% of Charleston lossDillon County, SC: 7.00% of Charleston lossGeorgetown County, SC: 18.04% of Charleston lossHampton County, SC: 3.02% of Charleston lossLancaster County, SC: 8.03% of Charleston lossLee County, SC: 1.52% of Charleston lossMcCormick County, SC: 0.56% of Charleston lossPickens County, SC: 7.41% of Charleston lossSumter County, SC: 8.14% of Charleston lossAllendale County, SC: 1.42% of Charleston lossAbbeville County, SC: 2.06% of Charleston lossWilliamsburg County, SC: 6.04% of Charleston lossAiken County, SC: 9.51% of Charleston lossHorry County, SC: 58.10% of Charleston lossColleton County, SC: 7.56% of Charleston lossLaurens County, SC: 5.41% of Charleston lossFairfield County, SC: 1.70% of Charleston lossKershaw County, SC: 4.69% of Charleston lossOconee County, SC: 9.03% of Charleston lossSpartanburg County, SC: 17.88% of Charleston lossBerkeley County, SC: 42.73% of Charleston lossEdgefield County, SC: 1.35% of Charleston lossOrangeburg County, SC: 8.86% of Charleston lossNewberry County, SC: 3.46% of Charleston lossLexington County, SC: 21.64% of Charleston lossMarlboro County, SC: 2.28% of Charleston lossBarnwell County, SC: 1.67% of Charleston lossCherokee County, SC: 4.69% of Charleston lossMarion County, SC: 5.43% of Charleston lossRichland County, SC: 27.57% of Charleston lossCalhoun County, SC: 1.22% of Charleston lossCharleston County, SC: detailed page available
  • Positive estimates to $10.3 million
  • Above $10.3 million to $23.4 million
  • Above $23.4 million to $37.8 million
  • Above $37.8 million to $90.2 million
  • Above $90.2 million to $499.8 million
  • No FEMA estimate

Charleston County, SC ranks #1 of 46 in the state for modeled expected annual loss; the outline locates it.

View chart data

Is Charleston County at risk of flooding?

FEMA labels riverine flooding Relatively Moderate and coastal flooding Very High. Modeled annual riverine flood loss is $44,209,893; coastal flood loss is $35,634,176. These are separate hazards and county totals. A rating describes relative county risk. It does not locate water at a building or establish a flood zone. Read missing statuses using the source documentation. Keep both source labels when comparing counties. Read the county rating versus flood-zone guide before requesting a location check.

Look up an address and its flood zone through FEMA’s Flood Map Service Center.

The local hazard planning document is Charleston Regional Hazard Mitigation Plan. Local governments use this plan to set out hazards and proposed projects.

What natural hazards affect Charleston County most?

Show tabular data
CountyModeled expected annual loss (USD/year)Overall risk rating
Charleston County, SC499,798,732.73Relatively High
Fixed snapshot: FEMA National Risk Index (December 2025 release). Each metric retains its label, unit and observation window; source release and observation periods are documented separately.
Show tabular data
Hazard ratings · original FEMA source labels
HazardSource labelObservation window
Coastal floodingVery High1996-2023
Riverine floodingRelatively Moderate1996-2023
HurricaneVery High1851-2024
WildfireRelatively Moderate1996-2023
EarthquakeRelatively High1996-2023
TornadoRelatively Moderate1950-2023
Heat waveRelatively Moderate2005-2024
HISTORICAL CLIMATE / REGIONAL CONTEXT

How have heat and rain changed in Charleston County?

Hot days

Days / year1991–200011.61991–2000: 11.60 Days / year2016–202510.32016–2025: 10.30 Days / year011.6

Hot days decreased between the two decades.

View chart data
PlaceDays / year
1991–200011.60
2016–202510.30

Warm nights

Days / year1991–200035.71991–2000: 35.70 Days / year2016–202554.92016–2025: 54.90 Days / year054.9

Warm nights increased between the two decades.

View chart data
PlaceDays / year
1991–200035.70
2016–202554.90

Heavy-precipitation days

Days / year1991–20001.31991–2000: 1.30 Days / year2016–20252.02016–2025: 2.00 Days / year05.0

Heavy-precipitation days increased between the two decades.

View chart data
PlaceDays / year
1991–20001.30
2016–20252.00

Humid-heat days

Days / year1991–200013.01991–2000: 13.00 Days / year2016–202519.22016–2025: 19.20 Days / year019.2

Humid-heat days increased between the two decades.

View chart data
PlaceDays / year
1991–200013.00
2016–202519.20
NASA satellite-and-model climate data are sampled near the US Census Bureau’s 2020 county center of population. This is regional context, not a county average or a property finding.
Charleston County · FIPS 45019 · annual decade means · NASA; humid heat: Copernicus (ECMWF)
Measure1991–20002016–2025Change
Hot days · ≥35°C (95°F)11.610.3−1.3
Humid-heat days · heat index ≥103°F (39.4°C)13.019.2+6.2
Warm nights · ≥24°C (75.2°F)35.754.9+19.2
Heavy-rain days · ≥50 mm (≈2 in)1.32.0+0.7
Annual maximum daily precipitation · mm59.783.3+23.6

Counts are days per year; a grid-cell zero does not mean the county had no such events. Thresholds, time bases and limits: county climate method.

Methodology & sensor cross-check notes

Hot-day cross-check: NOAA’s county-average daily maximum temperature gives 6.3 → 6.1 hot days a year (−0.2); NASA gives 11.6 → 10.3 (−1.3). Both series show a decrease, with different counts and change sizes. The footprints differ, so agreement does not validate either count. Warm nights and precipitation were not cross-checked. Humid-heat row: Copernicus (ECMWF) reanalysis. It uses a different regional grid from the NASA measures.

No statistical significance, cause or future trend is established; this does not change the FEMA ratings above.

Climate data: NASA · Population context: US Census Bureau · Hot-day cross-check: NOAA county climate records · Humid heat: Copernicus (ECMWF). Method, sources and limitations · Climate JSON · Data credits.

EL NIÑO HISTORY / WINTER PRECIPITATION AND TEMPERATURE

How does El Niño affect Charleston County winters?

Strong El Niño winter precipitation

1957–581957–58: 117.2% of normal precipitation1965–661965–66: 130.0% of normal precipitation1972–731972–73: 142.5% of normal precipitation1982–831982–83: 163.2% of normal precipitation1991–921991–92: 101.8% of normal precipitation1997–981997–98: 230.4% of normal precipitation2009–102009–10: 192.3% of normal precipitation2015–162015–16: 123.7% of normal precipitation2023–242023–24: 127.4% of normal precipitation100% (Normal)0%242%

9 of 9 strong El Niño winters were wetter than normal. The vertical line marks 100% of normal precipitation.

View chart data
WinterPrecipitation (% of normal)
1957–58117.157
1965–66130.022
1972–73142.508
1982–83163.210
1991–92101.817
1997–98230.410
2009–10192.344
2015–16123.743
2023–24127.406

NOAA and IRI both give 100% odds that El Niño conditions (tropical Pacific ONI of at least 0.5°C, not a local weather forecast) are present this winter. In Charleston County, 9 of 9 past strong El Niño winters were wetter than normal; the median winter had 130% of normal precipitation (rain and melted snow).

Charleston County · Dec–Feb, strong El Niño winters · ONI peak °C · precipitation % of normal · temperature vs county trend · days with 1 inch or more of precipitation · flood claims filed (rank among 47 winters)
WinterONIPrecipitationTemp.Heavy daysClaims
1957–581.7117%−3.3°F4—
1965–661.6130%−1.6°F4—
1972–731.8143%+0.7°F4—
1982–832.1163%0.0°F52 (#22)
1991–921.5102%+1.6°F22 (#22)
1997–982.4230%+0.9°F677 (#3)
2009–101.5192%−4.3°F631 (#4)
2015–162.6124%+1.9°F324 (#5)
2023–242.0127%+0.3°F5214 (#1)
Winter normals and temperature baseline

Charleston County normals, 1990–91 to 2019–20 winters: 9.8 inches of precipitation (rain and melted snow) and 2.1 heavy days. Temperature is set against the county’s own winter trend of +0.6°F per decade since 1951–52.

Flood claims: December–February, from 1978 (— = before the data). The rank compares each winter with all 47 winters from 1978–79 to 2024–25 (#1 is the most claims; no rank is shown for 0 claims). The median winter had 2 claims; 4 of 6 strong winters in the data were above it. Insured exposure grew over time, so counts are not comparable across decades.

Past tendency is not a forecast and not a property-level finding. Before winter: four checks for property teams.

Sources: NOAA county climate records and Pacific climate assessments; FEMA National Flood Insurance Program claims. Method and limits · El Niño 2026–27.

What are the modeled losses by hazard?

From 1991–2000 to 2016–2025, hot days near Charleston County changed from 11.6 to 10.3 per year. Heavy-rain days changed from 1.3 to 2.0. The table retains humid heat, warm nights and maximum daily rain. Compare the periods alongside the source notes. These decade means describe past conditions; they do not predict a future year or establish a trend.

Charleston County’s modeled loss across all hazards is $499,798,733 per year. The FEMA National Risk Index ranks the hazards below by modeled loss, not rating category.

Show tabular data
Modeled Expected Annual Loss, ranked by total loss · county totals
HazardTotal loss ($/yr)Of which buildings ($/yr)Observation window
All hazards (composite)$499,798,733$411,953,4821996-2023
Hurricane$281,333,148$263,973,6001851-2024
Earthquake$117,992,986$68,175,9931996-2023
Riverine flooding$44,209,893$42,615,2341996-2023
Coastal flooding$35,634,176$31,731,5851996-2023
Wildfire$3,077,857$2,832,9361996-2023
Tornado$3,019,263$767,4511950-2023
Heat wave$2,034,756Not published2005-2024

These modeled county totals do not estimate property losses, insurance inputs or forecasts. Do not multiply them by location counts.

Reuse this chart

Chart of Charleston County, SC modeled yearly loss by hazard: hurricane leads at $281.3M a year. Shows FEMA expected annual loss in dollars for 7 hazards.
Source: FEMA National Risk Index, December 2025 release. Modeled expected annual loss. Reuse this chart (CC BY 4.0).

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What is exposed in Charleston County?

Population and asset values show the scale behind county losses. These county totals are exposure measures, not loss figures.

Show tabular data
Population and asset values · county totals
MeasureValueObservation window
Resident population407,7222020-2020
Building replacement value$96,535,065,2402020-2020
Agricultural market value$28,818,2052022-2022

What do vulnerability and resilience show?

These relative rankings describe susceptibility to hazard impacts and capacity to recover. They measure no individual asset or outcome.

Show tabular data
Community vulnerability and resilience · index scores 0–100
MeasureScoreObservation window
Social vulnerability index22.42020-2020
Community resilience index96.12020-2020

Charleston County in the state and national rankings

National placement for Charleston County is #33 of 3,232, with an expected annual loss estimate of about $499.8 million. The county ranks #1 of 46 in South Carolina and accounts for 16.7% of state loss. The modeled $499.8 million annual average does not predict the loss in any single year. The next higher national total is about $517.3 million, in Honolulu County, HI. The next lower national total is about $494.6 million, in Hillsborough County, FL. Within the state list, Horry County, SC has the next lower estimate: about $290.4 million. That puts the estimates about $209.4 million apart, with 9.7% of state loss in the comparison county.

South Carolina county comparisons

County hazard loss mix

Hurricane$281.3 million · 56.3%Hurricane: 281,333,148.37 USD/year; 56.3%Earthquake$118.0 million · 23.6%Earthquake: 117,992,986.37 USD/year; 23.6%Riverine Flood$44.2 million · 8.8%Riverine Flood: 44,209,892.87 USD/year; 8.8%Coastal Flood$35.6 million · 7.1%Coastal Flood: 35,634,176.35 USD/year; 7.1%Cold Wave$6.6 million · 1.3%Cold Wave: 6,594,707.08 USD/year; 1.3%Wildfire$3.1 million · 0.6%Wildfire: 3,077,857.24 USD/year; 0.6%Other$11.0 million · 2.2%Other: 10,955,964.44 USD/year; 2.2%0$281.3 million

Hurricane leads the modeled expected annual loss mix; bar lengths share a zero baseline.

View chart data
HazardUSD / yearShare
Hurricane281,333,148.3756.3%
Earthquake117,992,986.3723.6%
Riverine Flood44,209,892.878.8%
Coastal Flood35,634,176.357.1%
Cold Wave6,594,707.081.3%
Wildfire3,077,857.240.6%
Other10,955,964.442.2%

National hazard loss ranks

Hurricane#6 of 2,485 US · #1 of 46 in SCHurricane: 99.80 percentileEarthquake#38 of 3,232 US · #1 of 46 in SCEarthquake: 98.86 percentileRiverine Flood#287 of 3,232 US · #6 of 46 in SCRiverine Flood: 91.15 percentileCoastal Flood#1 of 588 US · #1 of 14 in SCCoastal Flood: 100.00 percentileCold Wave#318 of 3,232 US · #7 of 46 in SCCold Wave: 90.19 percentileWildfire#169 of 3,144 US · #1 of 46 in SCWildfire: 94.66 percentile0100 percentile

Hurricane ranks #6 of 2,485 by modeled expected annual loss. Higher percentiles mean larger modeled losses.

View chart data
HazardRankPercentile
Hurricane#6 of 2,485 US · #1 of 46 in SC99.80
Earthquake#38 of 3,232 US · #1 of 46 in SC98.86
Riverine Flood#287 of 3,232 US · #6 of 46 in SC91.15
Coastal Flood#1 of 588 US · #1 of 14 in SC100.00
Cold Wave#318 of 3,232 US · #7 of 46 in SC90.19
Wildfire#169 of 3,144 US · #1 of 46 in SC94.66

Modeled loss per resident

USD / resident / yearCharleston$1,000Charleston: 1,225.83 USD / resident / yearSouth Carolina$584South Carolina: 584.43 USD / resident / yearUS$459US: 459.35 USD / resident / year0$1,000

Charleston has about $1,226 in modeled expected annual loss per resident. State and US values divide total loss by total population.

View chart data
PlaceUSD / resident / year
Charleston1,225.83
South Carolina584.43
US459.35

Charleston County hazard estimates

Hurricane

With about $281.3 million in modeled expected annual loss from hurricanes, the county ranks #6 of 2,485 in the national comparison. At 56.3% of the county’s modeled loss, the hazard places #1 of 46 statewide; FEMA assigns a Very High rating, matching 47 US counties, including 5 in South Carolina, for this hazard.

Earthquake

With about $118.0 million in modeled expected annual loss from earthquakes, the county ranks #38 of 3,232 in the national comparison. Its 23.6% share of total loss comes with a state loss rank of #1 of 46; FEMA assigns a Relatively High rating; the Relatively High label covers 1 state county and 53 nationally for earthquakes.

Riverine Flood

The national loss rank for riverine flooding is #287 of 3,232, based on about $44.2 million in modeled expected annual loss. Its 8.8% share of total loss comes with a state loss rank of #6 of 46; FEMA assigns a Relatively Moderate rating; the Relatively Moderate label covers 17 state counties and 639 nationally for riverine flooding.

Coastal Flood

At about $35.6 million, the modeled expected annual loss from coastal flooding ranks first among 588 US counties. At 7.1% of the county’s modeled loss, the hazard places #1 of 14 statewide; FEMA assigns a Very High rating; the same rating for coastal flooding covers 1 South Carolina county and 29 across the US.

Cold Wave

The national loss rank for cold waves is #318 of 3,232, based on about $6.6 million in modeled expected annual loss. Its 1.3% share of total loss comes with a state loss rank of #7 of 46; FEMA assigns a Relatively Moderate rating; the same rating for cold waves covers 20 South Carolina counties and 746 across the US.

Wildfire

For wildfires, about $3.1 million in expected annual loss puts the county #169 of 3,144 across the US. This hazard makes up 0.6% of the total; FEMA assigns a Relatively Moderate rating, and its loss ranks #1 of 46 in South Carolina; the Relatively Moderate label covers 5 state counties and 274 nationally for wildfires.

For hurricanes, modeled loss is about $163.3 million above earthquakes, leaving 32.7 percentage points between their county shares. The loss estimate for earthquakes exceeds riverine flooding by about $73.8 million, equivalent to 14.8 percentage points of total loss. For riverine flooding, modeled loss is about $8.6 million above coastal flooding, leaving 1.7 percentage points between their county shares. About $29.0 million separates coastal flooding from cold waves in the local estimates, equivalent to 5.8 percentage points of county loss. The loss estimate for cold waves exceeds wildfires by about $3.5 million, equivalent to 0.7 percentage points of total loss.

Population and recorded values

Charleston County covers about 1,372 square miles, with 407,722 residents in FEMA data. About $96.54 billion is the building value amount in FEMA’s record. About $28.8 million is the agricultural value amount in FEMA’s record. Total modeled loss averages about $1,226 per resident annually, compared with about $584 statewide. Its 8.0% share of state residents sits alongside 16.7% of of annual loss. The county contains 8.5% of the building value recorded across South Carolina. The county holds density position 6 of 46 in South Carolina, using FEMA’s recorded population and area. The population-to-area ratio is about 297 residents per square mile; statewide it is about 158. At 407,722 residents, the county compares with the South Carolina county median of about 59,530. The county’s national shares are 0.1% for population and 0.3% for modeled loss. For comparison, the US modeled loss average is about $459 per resident; the county figure is about $1,226. The six hazards described above together make up 97.8% of modeled loss, about $488.8 million annually. The balance outside those six estimates is about $11.0 million, or 2.2% of total loss. The county’s number 7 hazard by dollar loss is tornadoes: about $3.0 million, with a state rank of #20 of 46. With 0.6% of county loss, this hazard has national placement #755 of 3,225. The estimate for heat waves ranks #8 of 46 in South Carolina: about $2.0 million annually, in local position 8. Nationally, this estimate places #450 of 3,202; its share of the county’s modeled loss is 0.4%.

FEMA labels and risk score

Charleston County has a FEMA risk index score of about 98.6, ranking #44 of 3,144 nationally. Among 46 South Carolina counties, 4 receive the same Relatively High label for risk index. FEMA labels expected annual loss as Relatively High, matching 4 county records across South Carolina. Among 46 South Carolina counties, 6 receive the same Relatively Low label for social vulnerability. For community resilience, FEMA assigns Very High; 1 county in South Carolina has that label. Its risk score ranks #1 of 46 within South Carolina, while its loss total ranks #1 of 46. This combination, Relatively Low for vulnerability and Very High for resilience, occurs in 1 counties in South Carolina. Of the modeled loss among these 1 counties, 100.0% belongs here; the group holds 16.7% statewide. With a score of about 98.2, Horry County, SC ranks #2 of 46 statewide, immediately below this county. FEMA gives that county a Relatively High risk index label, alongside 9.7% of the state loss total. Nationally, 632 counties carry the same Relatively Low social vulnerability label, covering 30.0% of FEMA’s recorded population. Nationally, 629 counties carry the same Very High community resilience label, covering 27.2% of FEMA’s recorded population. The county’s Very High group contains 2 hazards: coastal flooding, hurricanes. The county’s Relatively High group contains 3 hazards: earthquakes, ice storms, lightning. Across the county’s hazard ratings, 7 carry Relatively Moderate: cold waves, heat waves, riverine flooding, strong wind, tornadoes, wildfires, winter weather. The county’s Relatively Low group contains 2 hazards: drought, hail. The local Very Low hazard group contains 1 entries: landslides.

What else should I know about Charleston County?

Which strong El Niño winter had the most flood claims in Charleston County?

Charleston County recorded 214 December–February NFIP claims in 2023–24, ranked #1 among 47 winters.

What does FEMA estimate for hail in Charleston County?

Charleston County has about $451,000 in modeled expected annual loss from hail, with a Relatively Low rating.

What does FEMA estimate for tornadoes in Charleston County?

Charleston County has about $3.0 million in modeled expected annual loss from tornadoes, with a Relatively Moderate rating.

What does FEMA estimate for heat waves in Charleston County?

For heat waves, FEMA lists Charleston County at Relatively Moderate, with about $2.0 million in modeled expected annual loss.

What does FEMA estimate for earthquakes in Charleston County?

Charleston County has about $118.0 million in modeled expected annual loss from earthquakes, with a Relatively High rating.

What is the FEMA community resilience rating for Charleston County?

FEMA assigns Charleston County a Very High community resilience rating.

How often were strong El Niño winters wetter in Charleston County?

Charleston County was wetter than normal in 9 of 9 strong El Niño winters.

Where next for Charleston County?

See how the county compares across the state in South Carolina natural hazard risk by county, download the FEMA county hazard data, or review the county climate risk data API and bulk files. Check the sources and what each measure can show on the methodology page.