Natural Disaster Risk in Isle Of Palms
South Carolina
Risk Summary for Isle Of Palms
Isle Of Palms scores 7.7/10 (High risk), above the U.S. average of 4.5. The leading hazard is Coastal Flooding.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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: Isle Of Palms, South Carolina
Isle Of Palms, in Charleston County, is a town of roughly 4,362 residents 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 Isle Of Palms residents and property owners must navigate.
Isle Of Palms's overall natural disaster risk is rated 7.7/10 (High) by FEMA's National Risk Index. The risk of coastal inundation tops the local hazard profile, with the area exposed to storm surge, tidal flooding, and wave action during major coastal storm events. Secondary hazards include hurricane and earthquake.
Within South Carolina, Isle Of Palms'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 Charleston County identifies coastal flood as the foremost hazard, followed by hurricane and earthquake. These rankings reflect the relative frequency and severity of each hazard type in the local environment.
Isle Of Palms'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 Isle Of Palms: Coastal Flooding preparedness
- Elevate utilities and consider flood-resistant construction in low-lying shoreline areas.
- Coastal flood and storm-surge damage requires separate flood insurance, not standard homeowners coverage.
- Know your evacuation zone and monitor tidal and surge forecasts during coastal storms.
Local Factors for Isle Of Palms
These city-level factors differentiate Isle Of Palms from other communities in Charleston County and provide geographic context for its hazard exposure.
Population
4,362
Small TownGeographic Zone
SE Atlantic Coast
Hurricane & coastal flood risk
Climate Band
Mild Temperate
Latitude 32.8°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Moderate — seasonal fire risk
Fire score: 9.5/10
Coordinates
32.8163° N, 79.7527° W
Charleston 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 Isle Of Palms
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Isle Of Palms
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.