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



Q : Is flood insurance required in Charleston?
A : 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

Q: How much does flood insurance cost?
A: Rates depend on elevation, location, and coverage limits. We compare multiple carriers to find an affordable option for your property.

Q : Do I need flood insurance if I’m not in a high-risk zone?
A: Yes—many claims come from moderate-to-low risk areas. It’s often inexpensive protection for the exposure we see here.

Q: How quickly can coverage start?
A: Some policies have a waiting period. We’ll walk you through options and timelines so you’re covered before the next storm.