Flood Insurance in South Carolina

Local protection for the homes and businesses you’ve worked hard to build.

In South Carolina, flooding can happen almost anywhere. Heavy rain, tropical systems, overflowing rivers, and drainage issues can cause costly damage - even outside of high-risk flood zones. And most people are surprised to learn:

Flood damage isn’t automatically covered by most homeowners or commercial property insurance policies.

That’s why having the right flood coverage matters. Our agency works with families and business owners across South Carolina to help them understand their flood risk and choose coverage that truly fits their property and their needs.

Your Flood Insurance Options

We believe flood insurance shouldn’t be confusing. As an independent agency, we help you compare both NFIP and private market flood insurance options, explain the differences, and guide you to the right solution.

NFIP Flood Insurance (FEMA-backed)

• Accepted by all lenders
• Often required in high-risk zones
• Residential and commercial policies
• Standardized coverage limits
• Typically has a 30-day waiting period

Private Flood Insurance

Private flood insurance may offer broader coverage and more flexibility than NFIP. 

Depending on eligibility, you may have access to:

• Higher coverage limits
• Replacement cost on contents
• Loss of use or business income coverage
• Shorter waiting periods
• Competitive pricing

We’ll help you compare coverage, not just price, so you can make an informed decision.

Coverage for More Than Just Homes

We help protect:

✔ Homeowners
✔ Condo owners & renters
✔ Vacation and investment properties
✔ Commercial buildings
✔ Business owners and landlords

Get a Flood Insurance Quote

Contact our team to request a flood insurance quote. We can review coverage options through the National Flood Insurance Program (NFIP) and compare private flood policies to help you find the right protection at a competitive price.

If you’re an existing client, please contact your agent directly for assistance.

If you’re a new client or need help getting to your agent, we’re here to help:
Email:  info@twiainsurance.com
Phone: Summerville Office 843-285-9430 or Greenville Office 864-527-5930