Living near the South Carolina coast comes with beautiful scenery, access to the beach, and unfortunately—a higher risk of flooding. Whether you’re in Conway, Myrtle Beach, or Pawleys Island, the chances of water damage from hurricanes, tropical storms, and flash floods are real and rising.
If you’re asking yourself, “Do I really need flood insurance?”, the answer might surprise you.
1. You Don’t Have to Live in a Flood Zone to Be at Risk
FEMA reports that over 25% of flood claims come from properties outside of high-risk flood zones. In Conway and surrounding areas, proximity to rivers like the Waccamaw and heavy coastal rainfall can lead to unexpected flooding—even for homes that aren’t considered “high risk” by federal maps.
2. Homeowners Insurance Doesn’t Cover Flood Damage
One of the most common misconceptions we hear is that a standard homeowners policy covers flooding—it doesn’t. Without a separate flood insurance policy, damage to your foundation, walls, flooring, electrical systems, and appliances could come out of your own pocket.
Just one inch of water can cause upwards of $25,000 in damage.
3. South Carolina’s Coastal Risk is Rising
Climate change and increased storm activity mean that flooding is no longer just a once-in-a-decade event. In recent years, Conway has seen significant flood events—even in areas that had never flooded before.
With FEMA flood map updates and insurance changes, now is the time to review your coverage and ensure your home is protected.
4. Peace of Mind Doesn’t Have to Break the Bank
Many homeowners are surprised at how affordable flood insurance can be, especially if you’re not in a high-risk zone. Through the National Flood Insurance Program (NFIP) or private market options, Peoples Underwriters can help you find a policy that fits your home, your risk, and your budget.
5. Peoples Underwriters Is Here to Help
As a trusted local insurance provider in Conway, we know the coastal risks inside and out. Our experienced agents take the time to evaluate your specific property, explain your options, and ensure you’re not left vulnerable to the unexpected.
Whether you’re buying your first home near the Waccamaw River or you’ve lived in Myrtle Beach for decades, we’re here to help you protect what matters.
Ready for a Flood Insurance Quote?
Let’s find the right coverage—before the next storm rolls in.
Call Peoples Underwriters today at (843) 248-5746 or
Request a flood insurance quote online at https://peoplesunderwriters.com/
