Myrtle Beach Flood Insurance

Here are some facts about Flood Insurance in Myrtle Beach, North Myrtle Beach, Surfside Beach and Garden City Beach.
  1. Don't think you are in a Flood Zone? Everyone is in a Flood Zone. If you are told you are not then you are most likely in an ‘X' Zone, one of the low hazard areas.
  2. In and around the Grand Strand unless your property is on the waterfront, you are most likely in an ‘X' Zone. The high hazard zones (namely VE & AE) can extend into second and third row lots and along the inlet or creeks.
  3. Lenders do not require you to carry flood if your business or home is in a ‘B', ‘C' or ‘X' Zone.
  4. 35 to 40% of all flood claims occur in ‘X' flood zones.
  5. Homeowners Wind & Hail policies written through the South Carolina Wind & Hail Underwriting Association (Wind Pool) are improved from Depreciated Value to Replacement Cost when Flood Insurance is in place.
  6. Most FEMA Flood Maps are available for viewing online at