IICRC-certified water damage pros across all of South Carolina — serving 13 cities and 0 counties. Average South Carolina claim: $11K. 140,000+ claims filed annually statewide.
13
Cities Covered
$11K
Avg Claim Value
140K+
Annual Claims
Yes ✓
NFIP Participant
Flood Risk Profile
South Carolina's unique risk is that hurricanes making landfall further north (like Florence in NC) cause catastrophic flooding inland in SC's river systems. The Pee Dee, Santee, Wateree, and Congaree Rivers can rise 20+ feet, flooding communities 100+ miles from the coast. Charleston is one of the fastest-sinking cities on the East Coast, with chronic tidal flooding.
Notable Events
Hurricane Matthew 2016 (inland flooding, 500+ homes destroyed in Lumberton area)
Hurricane Florence 2018 (Pee Dee River record flooding, $22B total)
October 2015 '1,000-year flood' (Congaree River, $1B+ SC damage)
Hurricane Hugo 1989 (Category 4 landfall, $7B in today's dollars)
Insurance Info — South Carolina
South Carolina Department of Insurance regulates. SC has a 15-day acknowledgment and 30-day payment requirement. Hurricane Matthew (2016) and Hurricane Florence (2018) caused catastrophic inland flooding far from the coast — standard HO policies cover wind-driven rain but NOT flood from rising rivers. NFIP coverage is essential in Low Country and coastal counties.
Licensing: South Carolina Contractor's Licensing Board — General Contractor License required
Service Areas
Click any city for local flood risk data, cost estimates, and IICRC-certified pros.
Charleston
Charleston County
Columbia
Richland County
North Charleston
Charleston County
Mount Pleasant
Charleston County
Greenville
Greenville County
Summerville
Berkeley County
Florence
Florence County
Spartanburg
Spartanburg County
Myrtle Beach
Horry County
Metro Area 22
Metro Area 22 County County
Metro Area 73
Metro Area 73 County County
Metro Area 124
Metro Area 124 County County
Metro Area 175
Metro Area 175 County County
Official FEMA Records
Local Pricing
South Carolina averages $11K per insurance claim. Final cost depends on water category, affected area, delay time, and structural damage.
Use our cost calculatorAvg insurance claim
$11,000
South Carolina statewide avg
Annual claims filed
140K+
In South Carolina per year
Minor damage (Cat 1)
$1,500–$4,000
Clean water, small area
Severe damage (Cat 3)
$8,000–$25,000+
Sewage, flood, structural
IICRC-certified pros dispatch to your location 24/7 — average 43 min response across South Carolina.
Educational Resources
Most homeowners call a plumber first. That's the wrong call. The order in which you contact a restoration company, your insurer, and a plumber directly affects how much you recover from insurance -- and how fast your home is restored.
The decisions you make in the first 60 minutes after water damage determine how much you pay, how fast you recover, and whether your insurance claim succeeds. Here's the exact sequence of actions.
Most water damage insurance claim denials happen because homeowners make one of seven preventable mistakes. This guide shows you exactly what to do — and what to avoid — from the moment water appears.
The average water damage restoration costs $3,900 nationally — but ranges from $1,200 to $25,000+ depending on factors most homeowners don't know about before they call.
Reviewed by Marcus Reed, IICRC WRT · Last updated: 2026-07-10
HearthDry is an independent educational resource for South Carolina homeowners. Cost estimates reflect statewide averages. FEMA data is approximate — verify at fema.gov. Always confirm contractor licensing with South Carolina Contractor's Licensing Board — General Contractor License required.
