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Find Flood Insurance Agents Near You in Charleston, SC

Browse flood insurance agents serving Charleston, South Carolina. Updated 2026-07-14.

The top-rated flood insurance agent in Charleston, South Carolina is Harrell Insurance Agency, rated 4.9 stars across 266 reviews. Other highly rated options include Pilothouse Insurance, C. T. Lowndes & Company, Taylor Agency. This directory lists 12 flood insurance agents serving Charleston.

Showing 12 flood insurance agents in Charleston, SCListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Harrell Insurance Agency2000 Sam Rittenberg Blvd #124(843) 572-1500
2Pilothouse Insurance1527 Sam Rittenberg Blvd(843) 766-1318
3C. T. Lowndes & Company749 St Andrews Blvd(843) 763-0120
4Taylor Agency147 Wappoo Creek Dr #502(843) 762-1805
5A & A Insurance1525 Sam Rittenberg Blvd(843) 571-5060
6Covenant Insurance Group LLC1032 Savannah Hwy(843) 795-0189
7Bridge Insurance7 Gamecock Ave Suite 706(843) 974-5150
8Anderson Insurance Associates3491 Shelby Ray Ct(843) 763-7525
9Dunes Insurance656 Ellis Oak Ave Suite 112(843) 737-6236
10Cliff Heath Insurance Inc1531 Sam Rittenberg Blvd(843) 766-6316
HI
2000 Sam Rittenberg Blvd #124
Harrell Insurance Agency
Flood Insurance Agent · Charleston, SC

Harrell Insurance Agency serves the Charleston, South Carolina metro area as a flood insurance agent. The company assists property owners in navigating the complex requirements for flood coverage in this coastal region. Because flood risks are significant near the coast, securing appropriate protection is a critical financial decision. The agency helps clients understand their policy options for residential and commercial properties. It handles flood zone insurance evaluations and the placement of National Flood Insurance Program policies.

PI
1527 Sam Rittenberg Blvd
Pilothouse Insurance
Flood Insurance Agent · Charleston, SC

Pilothouse Insurance offers risk assessment, policy procurement, and claims assistance for flood insurance in the Charleston, SC area. The agency helps clients evaluate their exposure to rising water and storm surge, then secures appropriate federal or private coverage. It provides annual policy reviews and can guide property owners through plan updates after significant storms or FEMA map revisions. The company services a variety of property types, including single-family homes, apartments, retail storefronts, and restaurants.

CT
749 St Andrews Blvd
C. T. Lowndes & Company
Flood Insurance Agent · Charleston, SC

Homeowners, businesses, and property managers in Mount Pleasant turn to C. T. Lowndes & Company for flood insurance coverage. Situated in a coastal flood zone, this agency assists clients in navigating National Flood Insurance Program policies and private market alternatives to protect their assets from water damage. Its services include risk assessment for residential and commercial structures, as well as claims support following storm events. The agency also extends its professional guidance to neighboring communities throughout the Charleston metropolitan area.

TA
147 Wappoo Creek Dr #502
Taylor Agency
Flood Insurance Agent · Charleston, SC

Taylor Agency serves homeowners, businesses, and property managers throughout Charleston, SC, by assessing flood exposure and securing appropriate coverage to meet lender and personal protection requirements. The agency guides clients through complex flood maps and policy options to ensure financial safety against rising water. Understanding hurricane and storm surge risks in coastal areas is central to its daily work. The agency also extends its services to the neighboring community of Mount Pleasant, offering the same comprehensive guidance for flood insurance decisions there.

IN
1525 Sam Rittenberg Blvd
A & A Insurance
Flood Insurance Agent · Charleston, SC

A & A Insurance serves clients in Charleston, South Carolina, and the surrounding coastal communities. The agency handles personal and commercial flood insurance policies, helping property owners secure coverage against rising water and storm surge. It focuses on explaining policy details and flood zone ratings to ensure each client understands their protection. For a typical job, the agency gathers property information, reviews flood maps, and presents suitable coverage options from its available carriers.

CI
1032 Savannah Hwy
Covenant Insurance Group LLC
Flood Insurance Agent · Charleston, SC

Homeowners in Charleston, SC seeking flood coverage can choose between a one-time policy for a specific property or recurring service that annually reviews their evolving needs. Coverage typically protects the building structure and its contents against rising water damage from storms or tidal surges. As a flood insurance agent, Covenant Insurance Group LLC helps clients secure policies from the National Flood Insurance Program, ensuring appropriate limits. Their service is available on a scheduled basis, typically renewed yearly to maintain continuous protection.

BI
7 Gamecock Ave Suite 706
Bridge Insurance
Flood Insurance Agent · Charleston, SC

Bridge Insurance specializes in helping coastal and low-lying property owners secure flood coverage that aligns with federal requirements and local risk assessments. The agency serves the Charleston, SC area, guiding homeowners and businesses through policy options and claim processes for flood-related damage. Its team reviews individual flood zone maps and elevation details to tailor appropriate plans. Before each hurricane season or after a major storm event, the agency assists clients in updating their policies to reflect changing flood risks and recent property improvements.

AI
3491 Shelby Ray Ct
Anderson Insurance Associates
Flood Insurance Agent · Charleston, SC

Coastal weather can bring sudden storms to the Charleston area, making property flood risk a pressing concern for local homeowners and business owners. Anderson Insurance Associates serves this need by explaining different flood insurance policies and the coverage each provides. Their staff clarifies how elevation, storm frequency, and evacuation zones affect individual plans. Clients receive clear guidance on local requirements and optional enhancements to protect their assets. The company begins its process by scheduling a thorough on-site inspection of the property to assess vulnerability and recommend appropriate policy options.

DI
656 Ellis Oak Ave Suite 112
Dunes Insurance
Flood Insurance Agent · Charleston, SC

Dunes Insurance serves residential property owners in Charleston with flood coverage tailored to local needs. They also offer policies for commercial buildings and renters requiring protection against rising water. Their service area includes Charleston and the surrounding coastal communities vulnerable to storm surge and heavy rainfall. Dunes Insurance helps clients understand flood maps and policy options before the seasonal storm threats arrive. They follow up promptly after policies are issued and provide repeat service for annual renewals between regular visits.

CH
1531 Sam Rittenberg Blvd
Cliff Heath Insurance Inc
Flood Insurance Agent · Charleston, SC
GI
12-A Carriage Ln
Goosehead Insurance - Blake Robertson
Flood Insurance Agent · Charleston, SC
(843) 790-9321
goosehead.com/agents/sc/charleston/blake-robertson
GA
1527 Sam Rittenberg Blvd #1
The General Agency
Flood Insurance Agent · Charleston, SC
(843) 766-9091
generalagencyinc.com

What Does a a Flood Insurance Agent in Charleston Cost?

Typical flood insurance costs in Charleston South Carolina range from 700 to 4000 annually for NFIP policies depending on flood zone elevation and deductible. Private market policies may cost 500 to 3000 per year but vary by risk. Elevation certificates cost 150 to 500 and can affect premiums. This is general information not insurance advice.

About flood insurance agents in Charleston

Flood insurance agents in Charleston South Carolina help property owners secure coverage through the National Flood Insurance Program and private insurers. South Carolina law requires flood insurance for properties in high-risk flood zones that have a federally backed mortgage. Agents in Charleston understand local flood maps and elevation certificates specific to the coastal area.

Frequently Asked Questions

Do I need flood insurance in Charleston South Carolina?

If your property is in a Special Flood Hazard Area and you have a federally backed mortgage, your lender will require flood insurance. Even outside high-risk zones, agents often recommend coverage because Charleston experiences heavy rain and storm surge.

What does a flood insurance agent in Charleston do?

A flood insurance agent helps you assess your flood risk, compare NFIP and private policy options, and complete the application. They also assist with elevation certificate requirements and explain waiting periods which are typically 30 days for NFIP policies.

How much does flood insurance cost in Charleston South Carolina?

Costs vary based on flood zone elevation and building characteristics. NFIP rates in Charleston can range from around 700 to over 3000 per year for standard policies. Private insurers may offer different pricing for higher coverage limits.

Flood Insurance Agents in Other South Carolina Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each flood insurance agent's credentials and current standing with your state Department of Insurance.