🌍 ClimateRiskCheck

Natural Disaster Risk in Okatie

South Carolina

7.6out of 10
High Risk

Risk Summary for Okatie

Okatie scores 7.6/10 (High risk), above the U.S. average of 4.5. The leading hazard is Hurricane.

Top Hazards

Hurricane Coastal Flooding Lightning

All 18 Hazard Scores

Hurricane
10.0
Coastal Flooding
9.9
Lightning
9.7
Earthquake
9.4
Wildfire
9.2
Extreme Heat
9.0
Ice Storm
9.0
Strong Wind
8.8
Tornado
8.4
Cold Wave
7.7
Winter Weather
7.4
Hail
7.3
Tsunami
5.4
Volcanic Activity
5.1
Drought
5.0
Avalanche
4.5
Landslide
3.5
Riverine Flooding
1.0

How it compares

Okatie
7.6
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: Okatie, South Carolina

Okatie is a city of approximately 24,003 residents in Beaufort 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 Okatie.

FEMA rates Okatie's composite natural disaster risk at 7.6 out of 10 β€” high risk. Tropical cyclones are the dominant hazard, with the area facing threats from both direct landfalling hurricanes and the outer rain bands and storm surge of systems making landfall nearby. Residents should also account for coastal flood and lightning risk in their preparedness planning.

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

Okatie'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 Okatie: 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 Okatie

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

Population

24,003

Suburban

Geographic Zone

SE Atlantic Coast

Hurricane & coastal flood risk

Climate Band

Mild Temperate

Latitude 32.3Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 9.2/10

Coordinates

32.3404Β° N, 80.8547Β° W

Beaufort 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 Okatie

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Okatie

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.