Craig, Home Buyer in 02818

What area near the ocean in SC is just outside the flood zone?

Asked by Craig, 02818 Thu Jan 10, 2008

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The issue with flood zones is elevation and wave action. Homes built closest to the ocean are placed in "V" zones meaning they have to be built higher off the ground. As you move away from the coast the zones will drop from AE 16 to 14, etc. meaning that houses built in that area have to be that many feet above sea level. They don't call it the "low country" for nothing. South Carolina's coast is not many feet above sea level however moving in only a few miles from the coast usually eliminates the need to build above ground, though not necessarily escape flood zones.

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0 votes Thank Flag Link Sat Jan 12, 2008
Hi Craig, I live in Loris, SC which is about 20 minutes to North Myrtle Beach and I am not in a flood zone. Love it in the country and can go to the beach anytime I like. Give me a call and visit my website for more information. Thanks,
0 votes Thank Flag Link Tue May 19, 2009
Listen to Francis and Tman. Get the insurance.

I have lived on Hilton Head Island for 30 years and the one year I dropped my flood insurance, Hurricane David decided to visit. I was lucky. David was a class 5 storm that did not cause us a problem other than me losing sleep because I had no flood insurance and could not get it until 30 after David came and went and only if another storm did not show up on the radar. Believe me, I got my flood insurance and have never looked back. Get it and forget it.

Bill Brannon, Hilton Head Isand, SC
0 votes Thank Flag Link Thu Jan 31, 2008
Go to and follow the FEMA listings and it will break it down for you ....

That said, flood zones are man made lists and floods don't follow lists ... it's always to your advantage to carry flood insurance, look at Indiana today, they haven't had a flood in 92 years - but they got one today ....

It's cheap insurance and you'll sleep better living in a coastal area.
0 votes Thank Flag Link Thu Jan 10, 2008
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