Water Risk Profile — ZIP 29504
Flood risk, local cost data, climate factors, and insurance context for your ZIP code.
Flood Risk
Medium
Cost Range
$1,500–$8,500
Avg Response
42 min
NFIP
State participates
Local Climate & Risk Factors
Florence, South Carolina faces the combined water damage risk of Atlantic hurricane exposure, subtropical humidity, and an aging infrastructure that dates to pre-Civil War in many communities. Hurricane Hugo (1989), Floyd (1999), Matthew (2016), and Dorian (2019) have each caused widespread flooding and roof damage statewide. South Carolina's 1,000-year flooding event in October 2015 dropped 17 inches in Columbia in 24 hours, affecting inland communities far from coastal areas. SC's humidity (80–90% average RH in summer) produces mold within 24 hours of any moisture event. NFIP flood insurance is essential in coastal and river corridor communities. SC DOI regulates claim timelines.
Flood-prone areas: The Delmae Heights neighborhood lies adjacent to Jeffries Creek and has a long history of residential flooding whenever the creek exceeds a five-year storm event. Brierwood and the corridors along Irby Street near downtown Florence face repeated nuisance flooding because the stormwater system was originally designed for a much smaller population and has not been substantially upgraded.
Water Category Cost Table — Florence, SC
Extraction & drying cost per square foot by IICRC water category
| Water Category | $/sq ft |
|---|---|
| Category 1 — Clean Burst supply line, clean appliance overflow | $2.72–$6.74 |
| Category 2 — Gray Dishwasher, washing machine, toilet bowl (no feces) | $6.74–$8.16 |
| Category 3 — Black Sewage backup, floodwater, toilet overflow with feces | $9.59–$12.1 |
Estimates exclude reconstruction (drywall, flooring replacement). National benchmarks: Cat 1 $3.75–$4.25, Cat 2 $4.10–$6.50, Cat 3 $7–$7.50/sq ft — adjusted for Florence market (3.2–11/sq ft range).