{"id":2617,"date":"2026-07-03T19:37:09","date_gmt":"2026-07-03T19:37:09","guid":{"rendered":"https:\/\/usmovingexpertss.com\/?p=2617"},"modified":"2026-07-03T19:37:09","modified_gmt":"2026-07-03T19:37:09","slug":"sc-coastal-homeowners-will-face-major-insurance-hikes-from-climate-risk-report-says","status":"publish","type":"post","link":"https:\/\/usmovingexpertss.com\/?p=2617","title":{"rendered":"SC coastal homeowners will face major insurance hikes from climate risk, report says"},"content":{"rendered":"<article><!-- --><!-- --><!-- WPS-5038 -- removed the script from WPS and added the placeholder for trinity player --><!-- --><!-- --><!-- --><!-- --><!-- --><!-- --><!-- CONTENT --><!--[--><!--[--><\/p>\n<p>Hurricanes. High winds. Heat. Flooding. Wildfires.<\/p>\n<p><!-- --><!--]--><!--[--><\/p>\n<p>Weather disasters are nothing new to the South Carolina coast, but more frequent events are sending hits to the insurance market.<\/p>\n<p>Read more <a href=\"https:\/\/usmovingexpertss.com\/?p=2615\">3 people charged in connection to 2024 Cayce murder; police searching for 1 more<\/a><\/p>\n<p><!-- --><!--]--><!--[--><\/p>\n<p>Across South Carolina, homeowners could see between 60% to 203% premium increases within the next decade, with residents paying more for insurance than property taxes.<\/p>\n<p><!--]--><!--[--><\/p>\n<p>The state will face the second-most extreme insurance hikes in the country over the next decade, according to a  from the Coalition for an Insurable Future and Mandala Partners, and a climate crisis is to blame. Coastal communities are facing the highest risk.<\/p>\n<p><!-- --><!--]--><!--[--><\/p>\n<p>States like California and Florida already saw these jumps years ago, and South Carolina is catching up.<\/p>\n<p><!--]--><!--[--><\/p>\n<p>\u201cIt\u2019s not that Florida and California aren\u2019t going in a bad direction, they\u2019re further along than South Carolina,\u201d said Chloe Demrovsky, Coalition for an Insurable Future member, founder of Edgewood Insights and former president and CEO of Disaster Recovery Institute International. \u201cThese problems have been happening and have been surfacing in Florida because of flooding and hurricanes, (and) in California because of wildfires and earthquakes for a long time.\u201d<\/p>\n<p><!-- --><!--]--><!--[--><\/p>\n<h2>Extreme flooding in South Carolina<\/h2>\n<p><!-- --><!--]--><!--[--><\/p>\n<p>South Carolina has increasingly dealt with extreme flooding from heavy rainfall events, like Hurricane Matthew, Florence and Helene. Sea-level rise is exacerbating flooding during King Tides, also known as sunny day flooding. Intense waves during storms have swept dozens of feet of sand from beaches and eroded dunes, an essential protection against storm surge, requiring multi-million dollar beach renourishment projects.<\/p>\n<p><!-- --><!--]--><!--[--><\/p>\n<p>The eight coastal counties are among the top 10 counties in the state facing the highest premium increases. In a medium climate risk scenario, the counties rank as follows:<\/p>\n<p><!--]--><!--[--><\/p>\n<ul>\n<li>Beaufort, 233% or $9,600<\/li>\n<li>Jasper, 213% or $5,200<\/li>\n<li>Georgetown, 199% or $7,100<\/li>\n<li>Charleston, 102% or $4,400<\/li>\n<li>Berkeley, 94% or $2,200<\/li>\n<li>Dorchester, 92% or $2,200<\/li>\n<li>Horry, 90% or $2,400<\/li>\n<li>Colleton, 72% or $1,700<\/li>\n<li>Williamsburg, 62% or $1,400<\/li>\n<li>Marion, 51% or $1,000<\/li>\n<\/ul>\n<p><!-- --><!--]--><!--[--><\/p>\n<p>The risk has to do with the resiliency of a home, Demrovsky said. During the building boom between 1950 and 2000, many homes were built cheaply on flood prone land, making them more costly for homeowners in the long run. Resilience of a home largely matches the strength of local building codes.<\/p>\n<p><!-- --><!--]--><!--[--><\/p>\n<p>\u201cThe lower the code, the cheaper the build,\u201d she said.<\/p>\n<p><!--]--><!--[--><\/p>\n<h2>Premium increases and poorer communities<\/h2>\n<p><!-- --><!--]--><!--[--><\/p>\n<p>Premium increases also disproportionately affect poorer communities, simply because those communities are often built on low-lying land and are cheaper to purchase. But often those communities become trapped in a cycle of poverty since disasters have a greater impact on less resilient homes, she said.<\/p>\n<p><!-- --><!--]--><!--[--><\/p>\n<p>South Carolina has become the fastest growing state in the nation, and to accommodate population growth, rapid development has taken over.<\/p>\n<p><!-- --><!--]--><!--[--><\/p>\n<p>\u201cA lot of this new building happened in reclaimed marshland, reclaimed streams, ponds, landfills and those areas,\u201d Demrovsky said.<\/p>\n<p>Read more <a href=\"https:\/\/usmovingexpertss.com\/?p=2614\">SC militias fought for America\u2019s freedom \u2013 who fights for their battlegrounds?<\/a><\/p>\n<p><!--]--><!--[--><\/p>\n<h2>National insurance trends<\/h2>\n<p><!-- --><!--]--><!--[--><\/p>\n<p>Homeowners insurance has increased 38% nationwide since 2021, the report said, outpacing inflation and wage growth.<\/p>\n<p><!-- --><!--]--><!--[--><\/p>\n<p>States like Florida, California and Louisiana already have some of the highest insurance rates in the country. Louisiana outpaces South Carolina in premium increases over the next decade, too.<\/p>\n<p><!-- --><!--]--><!--[--><\/p>\n<p>Homeowners insurance could continue to rise another 15-35% by 2035, and 35-107% by 2050, the report said. The U.S. could incur costs of nearly $1 trillion by 2035 from claims.<\/p>\n<p><!--]--><!--[--><\/p>\n<p>As insurance premiums rise, more and more homeowners go uninsured, increasing the premiums even further to be able to pay out during disasters.<\/p>\n<p><!-- --><!--]--><!--[--><\/p>\n<h2>How does climate risk impact insurance market stability?<\/h2>\n<p><!-- --><!--]--><!--[--><\/p>\n<p>Since 1980, the amount of billion dollar disasters from a single event has dramatically increased.<\/p>\n<p><!-- --><!--]--><!--[--><\/p>\n<p>\u201cInsurance was designed for, (when) one house burns down, and all the houses around it don\u2019t burn down in that year, so the premiums go to cover that one house,\u201d Demrovsky said. \u201cBut if the whole neighborhood burns at the same time, that\u2019s a colossal payout that can drive the insurance company completely out of business,\u201d<\/p>\n<p><!--]--><!--[--><\/p>\n<p>Some insurance companies will refuse to insure a community due to the extreme risk of bankruptcy from a disaster. This has happened in states like Florida and California in recent years. The less affordable homeowner\u2019s insurance becomes, the fewer Americans will be able to buy a home, as homeowner\u2019s insurance is required with a mortgage.<\/p>\n<p><!-- --><!--]--><!--[--><\/p>\n<p>The best thing to combat the damage caused by single events is to build more resilient homes by enforcing stricter building codes, Demrovsky said. Individuals can better protect their savings by considering factors like roof life and flood zone over more affordable, cheaply built homes.<\/p>\n<p><!-- --><!--]--><!--[--><\/p>\n<p>\u201cIn the long run, if you do the math, it is more affordable to build better, because that housing stock is going to protect people,\u201d she said.<\/p>\n<p>Read more <a href=\"https:\/\/usmovingexpertss.com\/?p=2612\">Heat advisory in place for Midlands amid July 4 weekend, weather service says<\/a><\/p>\n<p><!--]--><!--]--><!-- --><!-- --><!-- --><\/article>\n","protected":false},"excerpt":{"rendered":"<p>More climate disasters costing billions in damage are spiking insurance premiums across the country. South Carolina coast expected to see dramatic shifts.<\/p>\n","protected":false},"author":1,"featured_media":2616,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-2617","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-local"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>SC coastal homeowners will face major insurance hikes from climate risk, report says - US Moving Experts<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/usmovingexpertss.com\/?p=2617\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SC coastal homeowners will face major insurance hikes from climate risk, report says - US Moving Experts\" \/>\n<meta property=\"og:description\" content=\"More climate disasters costing billions in damage are spiking insurance premiums across the country. 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