Data · July 2026 data · 15-month trend
South Carolina Flood Insurance Costs
In July 2026, the average premium among South Carolina NFIP policies newly written or renewed that month was $814. Against a national average of $986, the state sits 17.5% lower. That represents a 6.8% increase year over year. 18,470 policies were written or renewed statewide that month; Chester County was the priciest county at $2,897 on average.
What we measure: Average premium among policies newly written or renewed that month (NFIP transactions) — not the official in-force average. OpenFEMA transaction data is published on a lag of roughly two months; the latest period shown reflects that lag.
Key facts — July 2026
- Average premium
- $814
- Avg total cost (with fees)
- $1,065
- Change (year over year)
- +6.8%
- vs national average
- -17.5%
- Policies written or renewed
- 18,470
- Counties reporting
- 44
South Carolina trend, last 15 months
Average premium among policies newly written or renewed each month. Bars scale to the highest month shown.
| Month | Avg premium | Premium relative to highest month | Avg total cost | Policies |
|---|---|---|---|---|
| May 2025 | $629 | $830 | 21,474 | |
| June 2025 | $709 | $933 | 21,705 | |
| July 2025 | $762 | $1,004 | 19,383 | |
| August 2025 | $728 | $964 | 19,405 | |
| September 2025 | $772 | $1,021 | 17,476 | |
| October 2025 | $728 | $968 | 15,616 | |
| November 2025 | $740 | $981 | 11,677 | |
| December 2025 | $709 | $944 | 12,160 | |
| January 2026 | $742 | $979 | 10,767 | |
| February 2026 | $772 | $1,019 | 10,833 | |
| March 2026 | $712 | $943 | 17,075 | |
| April 2026 | $750 | $978 | 17,560 | |
| May 2026 | $667 | $874 | 20,740 | |
| June 2026 | $767 | $1,002 | 20,741 | |
| July 2026 | $814 | $1,065 | 18,470 |
County breakdown — July 2026
Sorted by average premium, highest first. Rows labeled with a FIPS code are reporting areas without a matched county name. Watch the policy count before reading much into small-county averages.
| County | Avg premium | Premium relative to highest county | Avg total cost | Policies |
|---|---|---|---|---|
| Chester County | $2,897 | $3,715 | 2 | |
| Abbeville County | $1,555 | $2,132 | 1 | |
| Darlington County | $1,491 | $1,967 | 5 | |
| Georgetown County | $1,463 | $1,859 | 997 | |
| Colleton County | $1,424 | $1,885 | 178 | |
| Williamsburg County | $1,241 | $1,626 | 5 | |
| Newberry County | $1,140 | $1,499 | 11 | |
| Anderson County | $1,034 | $1,308 | 15 | |
| Bamberg County | $1,029 | $1,436 | 3 | |
| Calhoun County | $1,014 | $1,269 | 1 | |
| Lancaster County | $1,001 | $1,254 | 7 | |
| Fairfield County | $991 | $1,309 | 20 | |
| Kershaw County | $981 | $1,308 | 32 | |
| Oconee County | $979 | $1,303 | 6 | |
| Pickens County | $976 | $1,294 | 16 | |
| Cherokee County | $975 | $1,335 | 2 | |
| Richland County | $959 | $1,233 | 150 | |
| Charleston County — June 2026 profile | $922 | $1,204 | 6,170 | |
| Greenwood County | $920 | $1,158 | 7 | |
| Hampton County | $913 | $1,149 | 5 | |
| Orangeburg County | $905 | $1,206 | 17 | |
| McCormick County | $903 | $1,138 | 3 | |
| Lexington County | $861 | $1,110 | 135 | |
| Laurens County | $839 | $1,137 | 3 | |
| Florence County | $839 | $1,109 | 38 | |
| York County | $833 | $1,070 | 45 | |
| Marion County | $830 | $1,114 | 25 | |
| Aiken County | $824 | $1,078 | 47 | |
| Spartanburg County | $823 | $1,068 | 18 | |
| Greenville County | $821 | $1,065 | 92 | |
| Beaufort County — June 2026 profile | $787 | $1,044 | 3,980 | |
| Jasper County | $764 | $996 | 223 | |
| Dillon County | $729 | $1,044 | 8 | |
| Marlboro County | $710 | $910 | 1 | |
| Berkeley County | $655 | $865 | 674 | |
| Dorchester County | $634 | $848 | 423 | |
| Sumter County | $587 | $826 | 48 | |
| Saluda County | $582 | $872 | 4 | |
| Horry County — June 2026 profile | $580 | $761 | 5,038 | |
| Lee County | $551 | $722 | 2 | |
| Clarendon County | $532 | $725 | 9 | |
| Edgefield County | $446 | $711 | 2 | |
| Chesterfield County | $380 | $520 | 1 | |
| FIPS 45000 | $376 | $516 | 1 |
Use this data
Download South Carolina CSV (south-carolina.csv) — free to reuse with attribution. Read the full methodology for formulas, update cadence, and limitations. Source: FEMA OpenFEMA NFIP policy transaction data (NFIP Redacted Policies v3).
"South Carolina Flood Insurance Costs." Out of the Storm News Flood Insurance Cost Index, July 2026, based on FEMA OpenFEMA NFIP policy transaction data. https://outofthestormnews.com/flood-insurance/costs/south-carolina
Related guides
Compare county data, then use the editorial guides to understand how NFIP coverage and pricing work in practice.