Ranked from FEMA National Risk Index
Lowest Expected Disaster Loss per Household in South Carolina
The counties where FEMA's expected annual loss per household is smallest. Low exposure is one of the few housing-cost advantages that never shows up in the listing price. It shows up in what an insurer actually charges, which is not the same as the insurance figure in these tables, since that is a statewide average and cannot vary by county. Expected annual loss is FEMA's National Risk Index figure for the county, divided by the number of occupied housing units the Census reports there.
South Carolina ranked
| # | County | Disaster loss per household | FEMA risk rating | Median home |
|---|---|---|---|---|
| 1 | McCormick County | $678 | Very Low | $159,000 |
| 2 | Aiken County | $693 | Relatively Moderate | $199,500 |
| 3 | Spartanburg County | $695 | Relatively Moderate | $216,000 |
| 4 | Edgefield County | $711 | Very Low | $194,300 |
| 5 | Pickens County | $721 | Relatively Low | $216,000 |
| 6 | Greenville County | $783 | Relatively Moderate | $273,900 |
| 7 | Anderson County | $820 | Relatively Moderate | $212,500 |
| 8 | Richland County | $834 | Relatively Moderate | $224,200 |
| 9 | Chester County | $839 | Relatively Low | $143,800 |
| 10 | York County | $889 | Relatively Moderate | $322,700 |
| 11 | Darlington County | $894 | Relatively Low | $141,400 |
| 12 | Lexington County | $895 | Relatively Moderate | $217,700 |
| 13 | Kershaw County | $906 | Relatively Low | $191,900 |
| 14 | Fairfield County | $967 | Very Low | $129,100 |
| 15 | Greenwood County | $983 | Relatively Low | $166,400 |
| 16 | Sumter County | $988 | Relatively Moderate | $159,500 |
| 17 | Calhoun County | $994 | Very Low | $148,800 |
| 18 | Lancaster County | $1,024 | Relatively Low | $298,100 |
| 19 | Laurens County | $1,029 | Relatively Low | $153,500 |
| 20 | Barnwell County | $1,031 | Relatively Low | $97,200 |
| 21 | Union County | $1,066 | Relatively Low | $100,000 |
| 22 | Cherokee County | $1,072 | Relatively Low | $135,200 |
| 23 | Abbeville County | $1,078 | Relatively Low | $147,200 |
| 24 | Saluda County | $1,088 | Very Low | $123,200 |
| 25 | Newberry County | $1,136 | Relatively Low | $158,200 |
| 26 | Marlboro County | $1,171 | Relatively Low | $74,500 |
| 27 | Lee County | $1,208 | Very Low | $101,900 |
| 28 | Florence County | $1,241 | Relatively Moderate | $165,500 |
| 29 | Chesterfield County | $1,294 | Relatively Low | $101,400 |
| 30 | Oconee County | $1,341 | Relatively Moderate | $217,200 |
| 31 | Orangeburg County | $1,347 | Relatively Moderate | $109,700 |
| 32 | Horry County | $1,932 | Relatively High | $260,500 |
| 33 | Clarendon County | $1,958 | Relatively Low | $147,300 |
| 34 | Bamberg County | $2,026 | Relatively Low | $96,000 |
| 35 | Hampton County | $2,127 | Relatively Low | $102,400 |
| 36 | Allendale County | $2,237 | Very Low | $61,600 |
| 37 | Marion County | $2,302 | Relatively Low | $86,800 |
| 38 | Jasper County | $2,320 | Relatively Low | $269,400 |
| 39 | Berkeley County | $2,364 | Relatively High | $280,300 |
| 40 | Colleton County | $2,368 | Relatively Moderate | $145,900 |
| 41 | Williamsburg County | $2,481 | Relatively Moderate | $95,100 |
| 42 | Charleston County | $2,848 | Relatively High | $450,800 |
| 43 | Dorchester County | $2,855 | Relatively Moderate | $294,400 |
| 44 | Beaufort County | $3,244 | Relatively High | $407,600 |
| 45 | Dillon County | $3,303 | Relatively Moderate | $84,400 |
| 46 | Georgetown County | $3,391 | Relatively Moderate | $262,300 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Lowest Expected Disaster Loss per Household across all 3,133 US counties · Every county in South Carolina