A Guide to Flood Hazards and How to Stay Safe

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.

Storm Ready

The Town has actively participated in FEMA's CRS Program since 19XX. This program rates communities on how effectively they manage their floodplains in four major categories.

Tsunami Ready

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

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

Flood Hazard Guide

Know Your Flood Hazard

Floods and Flood Zones: which one are you in?

Insure Your Property for Your Flood Hazard

You live on an island, you should have flood insurance!