🌍 ClimateRiskCheck

Natural Disaster Risk in Coward

South Carolina

7.5out of 10
High Risk

Risk Summary for Coward

Coward scores 7.5/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Tornado Earthquake

All 18 Hazard Scores

Hurricane
9.7
Tornado
9.5
Earthquake
9.4
Extreme Heat
9.3
Hail
9.2
Ice Storm
9.0
Wildfire
8.8
Lightning
8.7
Winter Weather
8.1
Strong Wind
7.7
Cold Wave
7.2
Drought
5.5
Tsunami
5.4
Volcanic Activity
5.1
Coastal Flooding
4.9
Landslide
4.7
Avalanche
4.5
Riverine Flooding
1.0

How it compares

Coward
7.5
South Carolina avg.
6.6
US national avg.
4.5

Live Conditions

Checking live alerts…

🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Coward, South Carolina

Coward is a town of roughly 2,641 residents in Florence County, near the Atlantic Coast of the southeastern United States. The area experiences hot, humid summers and mild winters, with an active hurricane season with direct storm threat to the coastline shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Coward.

According to FEMA's National Risk Index, Coward carries an overall risk score of 7.5/10, placing it in the high category. Hurricane risk defines the natural hazard environment here, requiring residents to maintain seasonal preparedness plans and insurance coverage for wind and flood damage. The area also faces notable exposure to tornado and earthquake.

Coward's risk score, slightly above the 6.6/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Florence County, the highest-scoring are hurricane, tornado, and earthquake. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a high natural disaster risk rating, Coward residents benefit from taking preparedness seriously. Reviewing insurance coverage for hurricane and secondary hazards, registering for emergency alerts, and maintaining a household emergency kit are practical steps that can significantly reduce impact during a major event.

What this means for Coward: Hurricane preparedness

  • Wind damage is usually covered by homeowners insurance, but storm-surge flooding requires separate flood coverage.
  • Know your evacuation zone and route before hurricane season begins each June.
  • Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.

Local Factors for Coward

These city-level factors differentiate Coward from other communities in Florence County and provide geographic context for its hazard exposure.

Population

2,641

Small Town

Geographic Zone

SE Atlantic Coast

Hurricane & coastal flood risk

Climate Band

Mild Temperate

Latitude 34.0Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 8.8/10

Coordinates

33.9898Β° N, 79.7422Β° W

Florence County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Coward

Last 12 months Β· Source: Open-Meteo archive

Loading climate data…

ZIP Codes in Coward

Other cities in South Carolina

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.