Lenders may require property owners to carry flood insurance even for buildings outside of the SFHA.Most lenders require property owners to carry flood insurance under the NFIP for structures within the Special Flood Hazard Area (SFHA) as determined by the currently effective FIRM.All property owners in the City of Charleston may purchase a policy through the National Flood Insurance Program (NFIP).Who is required to carry flood insurance and who is eligible for flood insurance under the National Flood Insurance Program (NFIP)?.The currently effective Flood Insurance Rate Map (FIRM) and Flood Insurance Study (FIS) is publicly available through Charleston County Public Libraries (368.122 FLOOD).Please email and include the property address. A community flood hazard information letter is available upon request.The Flood Insurance Rate Map (FIRM), Flood Insurance Study (FIS), and any Letters of Map Change (LOMC) currently in effect can be viewed using FEMA's interactive Map Service Center.See the " Know Your Flood Zone" tab for more information. ![]() All properties in the City of Charleston are in a flood zone, but not all properties are in the Special Flood Hazard Area (SFHA). ![]()
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