Natural Disaster Risk in Horatio
South Carolina
Risk Summary for Horatio
Horatio scores 7.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
π 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: Horatio, South Carolina
Horatio, in Sumter County, is a small unincorporated community situated near the Atlantic Coast of the southeastern United States. Its humid subtropical climate brings hot, humid summers and mild winters, and in particular an active hurricane season with direct storm threat to the coastline. These conditions collectively define the natural hazard environment that Horatio residents and property owners must navigate.
According to FEMA's National Risk Index, Horatio carries an overall risk score of 7.1/10, placing it in the high category. Hurricane and tropical storm exposure tops the local risk profile, with the community vulnerable to storm surge, high sustained winds, and flooding rainfall during the JuneβNovember season. The area also faces notable exposure to earthquake and wind.
Within South Carolina, Horatio's risk is, slightly above the 6.6/10 state average. Nationally, it ranks well above the U.S. national average of 4.5/10. FEMA's analysis of Sumter County identifies hurricane as the foremost hazard, followed by earthquake and wind. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
With a high natural disaster risk rating, Horatio 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 Horatio: Hurricane preparedness
- Keep at least a week of supplies on hand; power and water service can be disrupted for days after landfall.
- 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.
Local Factors for Horatio
These city-level factors differentiate Horatio from other communities in Sumter County and provide geographic context for its hazard exposure.
Population
10
RuralGeographic 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: 8.2/10
Coordinates
33.9982Β° N, 80.6078Β° W
Sumter 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 Horatio
Last 12 months Β· Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Horatio
Other cities in South Carolina
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.