🌍 ClimateRiskCheck

Natural Disaster Risk in Horry County

South Carolina

7.9out of 10
High Risk

Risk Summary for Horry County

Horry County scores 7.9/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Coastal Flooding Tornado

All 18 Hazard Scores

Hurricane
10.0
Coastal Flooding
9.8
Tornado
9.7
Earthquake
9.6
Extreme Heat
9.6
Winter Weather
9.6
Lightning
9.6
Ice Storm
9.4
Wildfire
9.1
Cold Wave
9.0
Strong Wind
8.9
Drought
5.5
Tsunami
5.4
Hail
5.1
Volcanic Activity
5.1
Landslide
4.8
Avalanche
4.5
Riverine Flooding
1.0

How it compares

Horry County
7.9
South Carolina avg.
6.6
US national avg.
4.5

Live Conditions

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🏠 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: Horry County, South Carolina

Horry County is located in the United States in South Carolina, home to roughly 348,574 residents. The county experiences hot, humid summers and mild winters, with an active hurricane season with direct storm threat to the coastline shaping the natural hazards faced by its communities. FEMA assesses risk at this county level, providing the baseline for every city and ZIP code within its boundaries.

According to FEMA's National Risk Index, Horry County carries an overall risk score of 7.9/10, 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 coastal flood and tornado.

Horry County'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 Horry County, the highest-scoring are hurricane, coastal flood, and tornado. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

Horry County's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for Horry County: 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.

Cities in Horry County

ZIP codes in Horry County

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. For informational purposes only.