Flooding is the most common and costly natural disaster in the United States, and most homeowners policies do not cover it. Whether you are in a high-risk zone or just want added peace of mind, flood insurance offers essential protection for your home, belongings, and financial future.
Protect your home and peace of mind from rising waters.
Call (803) 521-0807 or contact us online to speak with a local agent about flood insurance today.
Do I Need Flood Insurance in South Carolina?
Flood insurance is not required for all property owners, but you must carry it if:
- Your home is in a high-risk flood zone (Special Flood Hazard Area)
- You have a federally backed mortgage in a high-risk area
Columbia, SC and surrounding areas like Lexington, Irmo, and West Columbia are not on the coast, but they are not flood-proof. Flash flooding, heavy rainfall, and river overflow can all cause major property damage.
Even if your property is not in a mapped flood zone, flood insurance may still be a smart investment. A quarter of all flood claims come from homes in moderate or low-risk areas.
Keisler Insurance Group also provides flood insurance for homes and businesses in coastal communities throughout South Carolina, North Carolina, and Georgia. If your property is in an area like Hilton Head, Charleston, or Savannah, our team can help you navigate flood zone requirements and find the right protection for your location.
What Flood Insurance Covers
Flood insurance typically covers two categories:
Building Property Coverage
- Foundation, walls, and structural supports
- Electrical and plumbing systems
- HVAC equipment and built-in appliances
- Water heaters and permanently installed flooring
- Detached garages (limited coverage)
Personal Property Coverage
- Furniture and electronics
- Clothing, rugs, and appliances
- Curtains and window treatments
- Valuables and artwork (subject to policy limits)
We offer flood policies through the National Flood Insurance Program (NFIP) and can also explore private flood coverage options depending on your needs.
Flood Risk in Columbia and the Midlands
Flood risk in the Columbia area is often overlooked because the region is inland. However, homes near the Congaree, Broad, or Saluda Rivers, or those built near low-lying creeks, can still face significant exposure during periods of heavy rainfall or flash flooding.
Areas like Forest Acres, Lake Katherine, Rosewood, and parts of Lexington have experienced flooding in the past. Heavy rain or tropical systems moving inland from the coast can overwhelm drainage systems and cause unexpected damage.
If your home is in or near a flood-prone zone, the right policy can help you recover quickly.
NFIP vs. Private Flood Insurance: What To Know
At Keisler Insurance Group, we offer flood insurance through both the National Flood Insurance Program (NFIP) and private carriers. Understanding the differences can help you make the best choice for your home or business.
NFIP policies, backed by FEMA, are standardized and available in most communities. They’re a reliable option, especially for properties in high-risk flood zones, but they come with strict coverage limits and fewer customization options.
Private flood insurance is offered by non-government insurers. These policies often provide more flexible coverage options and may be a better fit for higher-value homes or properties outside high-risk zones.
Here are a few key differences:
- Coverage limits: NFIP caps at $250,000 for buildings and $100,000 for contents. Private insurers may offer much higher limits.
- Wait periods: NFIP has a standard 30-day wait unless tied to a loan. Private policies may activate in as little as 10–15 days.
- Additional protections: Private carriers often include extras like temporary living expenses or basement coverage not available through NFIP.
- Pricing: NFIP rates are federally set. Private policies use risk-based pricing, which can be more competitive depending on your location and property details.
Not sure which is right for you? Our agents will compare options from both the NFIP and private carriers to help you find the coverage that fits your needs and budget.
Why Choose Keisler Insurance Group
When you choose Keisler Insurance Group, you get local expertise, personalized support, and access to the best flood insurance options available.
- Local agency based in Columbia, SC
- Licensed in South Carolina, North Carolina, and Georgia
- Knowledge of area flood zones and past claims history
- Access to both NFIP and private insurance options
- Honest guidance from experienced agents (we won’t try and sell you anything you don’t need!)
- Fast, no-pressure service that puts your needs first
We work with you one-on-one to determine your level of risk and help you understand what flood insurance will and will not cover.
Trusted by Columbia homeowners when it matters most
“Checks every box and meets every expectation!” –Mitch A.
Get a Flood Insurance Quote
Flood damage can happen when you least expect it. With the right policy in place, you can protect your home and avoid costly out-of-pocket repairs.
Call (803) 521-0807 or contact us online to speak with a local Keisler Insurance Group agent about your flood insurance options.