South Carolina Flood Insurance ~ Carolina Heritage Insurance ~ Hilton Head, Bluffton SC

If you live in South Carolina The National Flood Iinsurance Program provides coverage for damage to structures and contents from flooding, flood-related erosion, and flood-caused mudslides not covered under most property policies. A National Flood Insurance Flood policy can protect your home or business.

SC FLOOD FACTS
Floods are the most common natural disaster in the U.S.
Between 20 and 25% of floods are outside High Risk Zones
Flood Insurance is affordable
Most property policies do not include flood damage coverage.
SC Flood Insurance Coverage is available for commercial buildings and contents and can also be purchased by renters

SC Flood Insurance Coverage Limits - Up to $250,000 for single family and other residential buildings. * Up to $500,000 for non-residential buildings, including small businesses * Up to $100,000 for residential building contents and $500,000 for contents for businesses.

Flood Insurance

Disaster Assistance

YOU are in control. Flood insurance claims are paid even if a disaster is not declared by the President
Between 20 and 25 percent of all claims paid by the National Flood Insurance Program are outside the Special Flood Hazard Areas T
here is no payback requirement Flood insurance policies are continuous, and are not non-renewed or cancelled for repeat losses.
Flood Insurance reimburses you for all covered losses up to $250,000 for homeowners and $500,000 for businesses
The average cost of a $100,000 flood policy is $370 annually.

Most forms of Federal Disaster Assistance require a Presidential declaration.
Federal disaster assistance declarations are awarded in less than 50% of flooding incidents.
The most typical form of disaster assistance is a loan that must be repaid with interest.
The duration of a Small Business Administration (SBA) disaster home loan is approximately 20 years.
The average loan payment on an SBA disaster loan is $104 a month or $1,250 annually.
Repayment on a $50,000 SBA disaster loan is $311 a month or $3,730 annually.

For a free no obligation SC Flood quote, click here!