Property Atlas

County hazard profile

Horry, SC

South Carolina · pop. 348,574 · FIPS 45051

Relatively High
FEMA risk rating · RATING
Hurricane
dominant hazard
$290M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

among the highest nationally

national median $15M/yr Horry $290M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively High 98.19/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively High 65.39/100
national median ~50 near the national middle (65th percentile)
Community resilienceRelatively High 66.38/100
national median ~50 near the national middle (66th percentile)

Recorded · NFIP flood claims RECORDED

Realized flood losses in Horry

The National Flood Insurance Program has paid 12,523 flood-insurance claims totaling $339.5M in Horry since 1978. The costliest year was 1989 ($118.2M paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1979: $240,979 paid 1980: $0 paid 1981: $53,224 paid 1982: $1,015 paid 1983: $327,118 paid 1984: $14,725 paid 1985: $112,576 paid 1986: $759,573 paid 1987: $2,678,650 paid 1988: $13,014 paid 1989: $118,191,858 paid 1990: $3,464 paid 1991: $8,864 paid 1992: $174,756 paid 1993: $850,323 paid 1994: $629,246 paid 1995: $89,565 paid 1996: $2,717,334 paid 1997: $87,151 paid 1998: $1,571,084 paid 1999: $19,981,520 paid 2000: $555,854 paid 2001: $836,746 paid 2002: $4,507 paid 2003: $300,726 paid 2004: $291,873 paid 2005: $141,873 paid 2006: $4,350 paid 2007: $78,056 paid 2008: $106,646 paid 2009: $55,672 paid 2010: $192,111 paid 2011: $11,997 paid 2012: $40,539 paid 2013: $407,053 paid 2014: $73,077 paid 2015: $13,702,797 paid 2016: $40,659,232 paid 2017: $288,266 paid 2018: $89,729,447 paid 2019: $732,194 paid 2020: $7,390,636 paid 2021: $3,149,064 paid 2022: $27,506,125 paid 2023: $3,352,777 paid 2024: $948,687 paid 2025: $426,181 paid 1989 · $118.2M 1978 2025
$339.5M
total paid
$27,110
average claim
$2.6M
largest single claim
77%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Horry, SC and where it ranks among U.S. counties. It is not a verdict on whether Horry is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.