Sources
Every fact in our guides comes from a public, official source below. Last verified Oct 2026.
Flood (NFIP)
- FEMA flood insurance and NFIP Flood Insurance Manual (Oct 2025): limits, exclusions, 30-day wait and loan exception, policy assignment, Elevation Certificates, prior-claims factor, CBRS, condo master policies (RCBAP), 80% coinsurance, loss assessment coverage
- FloodSmart: What is my flood risk? (zones; 29% of claims outside high-risk areas)
- FEMA postcard P-2311 (condo master policy doesn't cover belongings)
- OpenFEMA NFIP Redacted Policies v3 (county premiums)
- Private flood waiting periods: published carrier terms (no carriers named or endorsed)
Cars
- SC DOI: Automobile Insurance (comprehensive covers flooding), Hurricane Preparedness (moratorium on new policies and changes once a storm is named), Tropical Storm Debby release (Aug 2024: flood damage to cars covered only with comprehensive), Pre-Disaster Planning (fuel, parking)
- GA OCI: Auto and Guide for Automobile Insurance (comprehensive covers flood, windstorm); 2025 hurricane season release ("once a storm forms, it may be too late")
- FloodSmart: what flood insurance doesn't cover (cars and most self-propelled vehicles); 44 CFR Part 61 App. A(1) §IV.5
- City of Charleston: King Tides and TIDEeye (NWS flood thresholds, 7.0/7.5 ft MLLW; flooding 1–2 hours around high tide; free garage parking during major tidal flooding)
- SC Emergency Management Division: Floods (don't drive into floodwater)
- National Insurance Crime Bureau: Buying a used vehicle and VINCheck
Deductibles
- S.C. Code Regs. 69-56 (named storm trigger, disclosure, renewal acknowledgment); S.C. Code §38-75-755
- Insurance Information Institute: Background on hurricane and windstorm deductibles (hurricane 74 mph, named storm 39 mph, wind/hail any source)
- GA OCI 2025 hurricane season release (separate hurricane/wind deductibles)
- SC Wind & Hail Underwriting Association: Q&A and Rules, Rates and Procedures Manual (deductible options and credits)
- Georgia Underwriting Association: Special Provisions, Wind/Hail
- FEMA NFIP Simple Guide, single-family homes and Flood Insurance Manual §3.II.D.3 (deductible options)
- SC DOI: Catastrophe Savings Accounts; S.C. Code §12-6-1620
Lenders
- 12 CFR 339.3; 84 FR 4953 (mandatory purchase, private flood acceptance)
- Interagency Questions & Answers Regarding Flood Insurance (condo questions)
State regulators & law
- SC Department of Insurance: 2025 Preparedness Guide, Automobile Insurance, Pre-Disaster Planning, Post-Disaster Claims Guide
- S.C. Code Regs. 69-56 (hurricane and named-storm deductibles)
- S.C. Code Title 27, Ch. 31 (Horizontal Property Regimes, incl. §27-31-240)
- Georgia Office of Commissioner of Insurance: auto and homeowners guides; GA Underwriting Association (FAIR Plan)
- SC Wind & Hail Underwriting Association (Wind Pool)
Premiums & wind pools (up north vs. the coast)
- U.S. Treasury Federal Insurance Office, homeowners insurance ZIP-level data (released Jan 2025; 2022 data year)
- OpenFEMA NFIP Redacted Policies v3 (policies effective in 2025, county medians)
- SC Department of Insurance, Status Report on the SC Coastal Property Insurance Market (2025); SC Wind Bulletin 25-02
- Georgia Underwriting Association Plan of Operation (coastal windstorm and hail area)
General info, not insurance advice. Ask your agent.
Details & sources
Run by a licensed South Carolina insurance professional. No quotes, no carrier endorsements. Rules, prices and coverage vary by policy and change over time; your policy and your agent have the final word. All sources.
lowcountryfloodwatch.com/guides/sources/ · Last verified Oct 2026 · General info, not insurance advice.