An interactive look at how design choices shape flood insurance outcomes in Myrtle Beach
FEMA evaluates proximity to oceans, rivers, marsh, and surge-prone areas. In Myrtle Beach, homes closer to the coast or Intracoastal Waterway often carry higher flood risk.
Raising the first living floor significantly reduces flood exposure. Many Myrtle Beach builders now include 1–3 feet of freeboard to improve insurance outcomes.
Pile-supported homes let water pass beneath them, reducing structural impact. Slab-on-grade homes in low-lying spots may see higher premiums under Risk Rating 2.0.
FEMA uses replacement cost value—not market value—when calculating insurance premiums. High-end coastal builds reflect this elevated reconstruction cost.