A Guide to Flood Hazards and How to Stay Safe

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Hilton Head Island's Flood Hazard

Flooding in the Town of Hilton Head Island may be caused by a number of naturally occurring events including hurricanes, storm surge, high tides and heavy rains. Being prepared is the best defense against damage from flooding and other disasters.

National Flood Insurance Program (NFIP)

We participate in the National Flood Insurance Program (NFIP) to ensure that federal flood insurance is available to all residents. This program requires using construction techniques that minimize flood damage in areas with the risk of periodic flooding as presented on Flood Insurance Rate Maps (FIRMs). It is referred to as the 100 year floodplain and covers more than 80% of the Island.

FEMA'S Community Rating System

By implementing good floodplain management practices, we receive the Federal Emergency Management Agency's (FEMA) Community Rating System (CRS) rating of Class 5. This rating allows Hilton Head Island property owners up to a 25 percent discount on their flood insurance premiums.

The Town has actively participated in FEMA's CRS Program since 1991. This program rates communities on how effectively they manage their floodplains in four major categories.

• Public Information
• Mapping and Regulatory Standards
• Flood Damage Reduction
• Flood Preparedness

We have certified floodplain managers available to speak with you on a variety of topics related to floodplain issues:

• Flood map determinations and an explanation of your risk of flooding
• Flood elevation certificates
• Flood Insurance Rate Maps (FIRM)
• Requirements for construction in Special Flood Hazard Areas (SFHA)

The Town has been designated a Storm Ready and a Tsunami Ready community.

Flood Hazard Guide