Insurance & Flood

What changed in Charleston Tri-County homeowner + flood underwriting.

SC DOI rate filings, Citizens / SCWHJUA wind-pool moves, FEMA NFIP map updates, and per-ZIP NFIP claim density (live from FEMA OpenFEMA). Re-run DTI on tight pre-quals when severity is high — insurance is the #1 last-minute closing-killer.

Events 180d

High severity

Rate filings

ZIPs flagged

claims/policy ≥ 0.05

5-yr NFIP paid

$18.1M

Tri-County · live FEMA

Per-ZIP NFIP risk · live from FEMA OpenFEMA

trailing-5yr claim count · paid amount · density per active policy · yoy delta

Risk< 5%5-10%10-20%> 20%

ZIP	County	Claims · 5yr	Paid · 5yr	Active policies	Density	Risk band
29432	dorchester	11	$539k	5	2.200	Critical
29426	charleston	19	$981k	24	0.792	Critical
29472	dorchester	37	$2.0M	63	0.587	Critical
29471	dorchester	1	$2k	3	0.333	Critical
29477	dorchester	2	$8k	19	0.105	High
29406	charleston	14	$331k	172	0.081	Elevated
29461	berkeley	28	$1.2M	400	0.070	Elevated
29445	berkeley	23	$338k	366	0.063	Elevated
29456	dorchester	17	$321k	276	0.062	Elevated
29438	charleston	18	$104k	306	0.059	Elevated
29450	berkeley	2	$65k	45	0.044	Normal
29401	charleston	61	$1.3M	1,518	0.040	Normal
29407	charleston	98	$2.2M	2,526	0.039	Normal
29485	dorchester	36	$1.1M	930	0.039	Normal
29405	charleston	24	$327k	622	0.039	Normal

Carrier filings + market events · newest first

SC Department of Insurance · FEMA NFIP · Citizens / SCWHJUA

How to use →Tracks SC carrier rate filings + FEMA NFIP claim data per zip. Riskiest-zips table feeds /true-cost (carrier-volatility sub-score) so insurance pressure shows up on every property row in the app. Use the feed for talking points: when a major carrier files a 14% rate increase or stops writing in a zip, your refi/HELOC clients in that zip need to hear it from you first. Pair with /vital-signs/[id] for per-property cost forecasts that already factor this in.