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
- 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
| County | Modeled expected annual loss (USD/year) | Overall risk rating |
|---|---|---|
| Charleston County, SC | 499,798,732.73 | Relatively High |
Show tabular data
| Hazard | Source label | Observation window |
|---|---|---|
| Coastal flooding | Very High | 1996-2023 |
| Riverine flooding | Relatively Moderate | 1996-2023 |
| Hurricane | Very High | 1851-2024 |
| Wildfire | Relatively Moderate | 1996-2023 |
| Earthquake | Relatively High | 1996-2023 |
| Tornado | Relatively Moderate | 1950-2023 |
| Heat wave | Relatively Moderate | 2005-2024 |
How have heat and rain changed in Charleston County?
Hot days
Hot days decreased between the two decades.
View chart data
| Place | Days / year |
|---|---|
| 1991–2000 | 11.60 |
| 2016–2025 | 10.30 |
Warm nights
Warm nights increased between the two decades.
View chart data
| Place | Days / year |
|---|---|
| 1991–2000 | 35.70 |
| 2016–2025 | 54.90 |
Heavy-precipitation days
Heavy-precipitation days increased between the two decades.
View chart data
| Place | Days / year |
|---|---|
| 1991–2000 | 1.30 |
| 2016–2025 | 2.00 |
Humid-heat days
Humid-heat days increased between the two decades.
View chart data
| Place | Days / year |
|---|---|
| 1991–2000 | 13.00 |
| 2016–2025 | 19.20 |
| Measure | 1991–2000 | 2016–2025 | Change |
|---|---|---|---|
| Hot days · ≥35°C (95°F) | 11.6 | 10.3 | −1.3 |
| Humid-heat days · heat index ≥103°F (39.4°C) | 13.0 | 19.2 | +6.2 |
| Warm nights · ≥24°C (75.2°F) | 35.7 | 54.9 | +19.2 |
| Heavy-rain days · ≥50 mm (≈2 in) | 1.3 | 2.0 | +0.7 |
| Annual maximum daily precipitation · mm | 59.7 | 83.3 | +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.
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direction"}}How does El Niño affect Charleston County winters?
Strong El Niño winter precipitation
9 of 9 strong El Niño winters were wetter than normal. The vertical line marks 100% of normal precipitation.
View chart data
| Winter | Precipitation (% of normal) |
|---|---|
| 1957–58 | 117.157 |
| 1965–66 | 130.022 |
| 1972–73 | 142.508 |
| 1982–83 | 163.210 |
| 1991–92 | 101.817 |
| 1997–98 | 230.410 |
| 2009–10 | 192.344 |
| 2015–16 | 123.743 |
| 2023–24 | 127.406 |
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).
| Winter | ONI | Precipitation | Temp. | Heavy days | Claims |
|---|---|---|---|---|---|
| 1957–58 | 1.7 | 117% | −3.3°F | 4 | — |
| 1965–66 | 1.6 | 130% | −1.6°F | 4 | — |
| 1972–73 | 1.8 | 143% | +0.7°F | 4 | — |
| 1982–83 | 2.1 | 163% | 0.0°F | 5 | 2 (#22) |
| 1991–92 | 1.5 | 102% | +1.6°F | 2 | 2 (#22) |
| 1997–98 | 2.4 | 230% | +0.9°F | 6 | 77 (#3) |
| 2009–10 | 1.5 | 192% | −4.3°F | 6 | 31 (#4) |
| 2015–16 | 2.6 | 124% | +1.9°F | 3 | 24 (#5) |
| 2023–24 | 2.0 | 127% | +0.3°F | 5 | 214 (#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 $499,798,733 per year. The FEMA National Risk Index ranks the hazards below by modeled loss, not rating category.
Show tabular data
| Hazard | Total loss ($/yr) | Of which buildings ($/yr) | Observation window |
|---|---|---|---|
| All hazards (composite) | $499,798,733 | $411,953,482 | 1996-2023 |
| Hurricane | $281,333,148 | $263,973,600 | 1851-2024 |
| Earthquake | $117,992,986 | $68,175,993 | 1996-2023 |
| Riverine flooding | $44,209,893 | $42,615,234 | 1996-2023 |
| Coastal flooding | $35,634,176 | $31,731,585 | 1996-2023 |
| Wildfire | $3,077,857 | $2,832,936 | 1996-2023 |
| Tornado | $3,019,263 | $767,451 | 1950-2023 |
| Heat wave | $2,034,756 | Not published | 2005-2024 |
These modeled county totals do not estimate property losses, insurance inputs or forecasts. Do not multiply them by location counts.
Reuse this chart

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
| Measure | Value | Observation window |
|---|---|---|
| Resident population | 407,722 | 2020-2020 |
| Building replacement value | $96,535,065,240 | 2020-2020 |
| Agricultural market value | $28,818,205 | 2022-2022 |
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
| Measure | Score | Observation window |
|---|---|---|
| Social vulnerability index | 22.4 | 2020-2020 |
| Community resilience index | 96.1 | 2020-2020 |
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.
County hazard loss mix
Hurricane leads the modeled expected annual loss mix; bar lengths share a zero baseline.
View chart data
| Hazard | USD / year | Share |
|---|---|---|
| Hurricane | 281,333,148.37 | 56.3% |
| Earthquake | 117,992,986.37 | 23.6% |
| Riverine Flood | 44,209,892.87 | 8.8% |
| Coastal Flood | 35,634,176.35 | 7.1% |
| Cold Wave | 6,594,707.08 | 1.3% |
| Wildfire | 3,077,857.24 | 0.6% |
| Other | 10,955,964.44 | 2.2% |
National hazard loss ranks
Hurricane ranks #6 of 2,485 by modeled expected annual loss. Higher percentiles mean larger modeled losses.
View chart data
| Hazard | Rank | Percentile |
|---|---|---|
| Hurricane | #6 of 2,485 US · #1 of 46 in SC | 99.80 |
| Earthquake | #38 of 3,232 US · #1 of 46 in SC | 98.86 |
| Riverine Flood | #287 of 3,232 US · #6 of 46 in SC | 91.15 |
| Coastal Flood | #1 of 588 US · #1 of 14 in SC | 100.00 |
| Cold Wave | #318 of 3,232 US · #7 of 46 in SC | 90.19 |
| Wildfire | #169 of 3,144 US · #1 of 46 in SC | 94.66 |
Modeled loss per resident
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
| Place | USD / resident / year |
|---|---|
| Charleston | 1,225.83 |
| South Carolina | 584.43 |
| US | 459.35 |
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.