Your home does not need to be in a designated flood zone to be affected by water intrusion and damage, especially in the Low Country of SC. The process to repair and retrofit water damage costs homeowners millions of dollars each year. Regardless of the location of the home, simple checks and changes can help protect your property from flood and water damage before the storm comes.

  • Research – It’s time to become a water detective. Look for dangers in and around the home. Check drainage and look for water sources that could overflow, such as a nearby stream or creek. Check with your local authorities also for floodplain plans and tips. The SC Residential Property Disclosure also has a section where the homeowner should disclosure any flood claims or if the property is located in a designated flood zone.
  • Know your Resources – Review and understand your homeowner’s insurance to make sure you have adequate coverage. The National Flood Insurance Program will also pay homeowners up to $1,000 for flood avoidance measures, such as sandbags or plywood if a flood warning is declared in your area. For more information regarding the flood zones in Charleston County, please reference their website
  • Protect – Consider hiring an expert to come and offer suggestions. This can be as simple as adding gutters or better drainage. Flood barriers, shields, and wet-proofing products can help provide a barrier against water intrusion. Here is some useful information from FEMA regarding ways to protect your property from flooding


It is critical to remember that the City of Charleston, being located in the Atlantic Coastal region, is subject to flooding from the Atlantic Ocean as well as inland flooding from rivers and associated tributaries. Charleston is also subject to storm surge, flooding from heavy rains and high tides. Spending some time and effort now can save you thousands of dollars of damage when the storms come. Regardless of where you live, water damage can occur quickly. Preparing your home in advance will help protect your valuable property from floods and water damage.

This content is not the product of the National Association of REALTORS®, and may not reflect NAR's viewpoint or position on these topics and NAR does not verify the accuracy of the content.