Does Byrnes Downs flood?
Byrnes Downs, Charleston, SC · ZIP code 29407: the ZIP code on 242 of the 243 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Byrnes Downs have filed flood claims. About 87% of Byrnes Downs’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 243 claims from the Census block groups that cover Byrnes Downs, from 1979 through 2024. 192 of them received a payment, totaling $4,319,020 (not adjusted for inflation). The busiest years were 1989 (125 claims), 2017 (31 claims), 2015 (24 claims).
What this page counts as Byrnes Downs
We could not find an openly licensed official boundary for Byrnes Downs, so this page uses a census-based area. For this page, Byrnes Downs means the 2010 Census block groups whose center lies within 1.6 km (1.0 miles) of the U.S. Geological Survey (GNIS) map point for Byrnes Downs (feature 1252708), each block group going to the nearest of the places we cover. Every number below is for exactly those block groups (listed in “How these numbers were made”), so the edges are approximate and may include or leave out a few blocks people would call Byrnes Downs. Sources: U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
Past claims do not predict future flooding, and a neighborhood figure cannot tell you about one building. Look up the exact address on the FEMA Flood Map Service Center and get flood insurance quotes before you sign a lease or a contract.
Check a specific address in Byrnes Downs
Neighborhood figures are averages. Our address check looks up the FEMA flood zone at one address, from the same public maps: check if your address is in a flood zone.
Flood zones street by street in Byrnes Downs
The named streets in Byrnes Downs, longest first, with how much of each street’s length inside Byrnes Downs lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Byrnes Downs; the main zone is the FEMA zone covering most of that length. A street can cross several zones, so the zone at one address can differ from the street’s main zone: check the address above for that.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Chadwick Dr | 1.2 mi | 98% | AE (98%) |
| Coburg Rd | 5,180 ft | 66% | AE (66%) |
| Rebellion Rd | 3,620 ft | 100% | AE (100%) |
| Windermere Blvd | 2,200 ft | 98% | AE (98%) |
| US Hwy 17 | 1,990 ft | 23% | X (shaded, 0.2% annual chance) (56%) |
| Formosa Dr | 1,960 ft | 30% | X (shaded, 0.2% annual chance) (70%) |
| Folly Rd | 1,930 ft | 61% | AE (61%) |
| Tarleton Dr | 1,870 ft | 100% | AE (100%) |
| Folly Road Blvd | 1,730 ft | 56% | AE (56%) |
| Colleton Dr | 1,720 ft | 100% | AE (100%) |
| Tranquil Dr | 1,680 ft | 100% | AE (100%) |
| Campbell Dr | 1,660 ft | 60% | AE (60%) |
| Lord Ashley Dr | 1,640 ft | 83% | AE (83%) |
| W Confederate Cir | 1,490 ft | 100% | AE (100%) |
| Charlestowne Rd | 1,410 ft | 100% | AE (100%) |
| S Confederate Cir | 1,380 ft | 35% | X (shaded, 0.2% annual chance) (65%) |
| Lyttleton Ave | 1,320 ft | 100% | AE (100%) |
| Lyttleton St | 1,320 ft | 100% | AE (100%) |
| Timmerman Dr | 1,280 ft | 42% | X (shaded, 0.2% annual chance) (58%) |
| Sheridan Rd | 1,220 ft | 100% | AE (100%) |
| Jamaica Dr | 1,160 ft | 100% | AE (100%) |
| Locke Ln | 1,080 ft | 100% | AE (100%) |
| William Ackerman Ln | 1,080 ft | 100% | AE (100%) |
| Palmetto Rd | 720 ft | 73% | AE (73%) |
| Allgood Rd | 640 ft | 100% | AE (100%) |
Streets: U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads). Flood zones: FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, retrieved October 25, 2026. Each street is clipped to the area boundary and measured in an equal-area projection. Street lengths are rounded.
Flood zones in Byrnes Downs
Share of Byrnes Downs’s mapped area (about 1.797 km²) in each FEMA flood zone, from FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Mapped base flood elevations inside the neighborhood range from 8 to 10 feet. Effective date of the FIRM panel(s) covering it (45019C0511K, 45019C0513K): January 29, 2021.
| FEMA zone | Share of area |
|---|---|
| AE | 87% |
| X (shaded, 0.2% annual chance) | 10% |
| X (unshaded, minimal) | 2.5% |
What the zones mean
- Zone AE (and A, AH, AO)
- High-risk: part of the Special Flood Hazard Area (SFHA), the area FEMA maps as having a 1-percent chance of flooding in any given year (the “100-year” or base flood). AE areas have a mapped base flood elevation.
- Zone VE (and V)
- High-risk coastal areas, also in the SFHA, where the base flood is expected to bring additional hazards from storm waves.
- Zone X (shaded)
- Moderate hazard: between the limits of the 1-percent and the 0.2-percent-annual-chance (“500-year”) flood.
- Zone X (unshaded)
- Minimal hazard: outside the SFHA and higher than the 0.2-percent-annual-chance flood elevation. Minimal is not zero: flood claims are filed from X zones too.
Source: FEMA Glossary: Flood Zones.
Flood insurance claims over time
Claims filed under the National Flood Insurance Program (NFIP) from the 2010 Census block groups that cover Byrnes Downs. This area is made of whole block groups, so every claim counted here comes from inside it. Only insured properties appear, so these counts understate total flooding.
By decade
| Decade | Claims | Paid |
|---|---|---|
| 1970s | 5 | $4,781 |
| 1980s | 135 | $1,844,690 |
| 1990s | 14 | $38,537 |
| 2000s | 5 | $62,796 |
| 2010s | 72 | $2,136,109 |
| 2020s | 12 | $232,108 |
By year of loss
Named flood events with the most claims
- Hurricane Hugo: 125 claims
- Hurricane Irma: 29 claims
- October severe storms: 24 claims
- Hurricane Matthew: 13 claims
- Flooding: 5 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 231
- X/B/C (moderate or minimal): 11
- V/VE (coastal high hazard): 1
How much is flood insurance in Byrnes Downs?
The typical National Flood Insurance Program policy on single-family homes in Byrnes Downs costs $1,175 a year: the median of 454 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $959 and $1,670. That is the full amount paid for the year, the premium plus FEMA’s fees and surcharges, and every one of these policies is priced under Risk Rating 2.0. A quote for one building can be far from this: its elevation, foundation, age, coverage and deductible all change the price. Private flood insurance is not included.
Source: FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3, computed October 25, 2026.
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Before you rent or buy in Byrnes Downs
- Look up the exact address on the FEMA Flood Map Service Center; a neighborhood can mix high-risk and minimal-hazard zones.
- Ask the landlord or seller about past flooding and flood insurance claims at the property.
- Get a flood insurance quote early: new NFIP policies usually take 30 days to start (FloodSmart (NFIP): Buy a Flood Insurance Policy).
- Ask which floor the unit is on and where parking, storage and mechanical equipment sit.
Living in Byrnes Downs
Flood maps are only one part of choosing a neighborhood. To compare Byrnes Downs with other Charleston neighborhoods on more than flooding, see Charleston on StrollPlace.
Buyer and renter FAQ
Does Byrnes Downs flood?
Yes. Insured properties in and around Byrnes Downs have filed flood claims. About 87% of Byrnes Downs’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 243 claims from the Census block groups that cover Byrnes Downs, from 1979 through 2024. 192 of them received a payment, totaling $4,319,020 (not adjusted for inflation). The busiest years were 1989 (125 claims), 2017 (31 claims), 2015 (24 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Byrnes Downs in a flood zone?
About 87% of Byrnes Downs’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). Shares by zone: AE 87%; X (shaded, 0.2% annual chance) 10%; X (unshaded, minimal) 2.5%. The FIRM panel(s) covering it took effect January 29, 2021.
Which streets in Byrnes Downs are in a high-risk flood zone?
Most of the length of Chadwick Dr, Coburg Rd, Rebellion Rd, Windermere Blvd, Folly Rd, Tarleton Dr, Folly Road Blvd, Colleton Dr, Tranquil Dr, Campbell Dr, Lord Ashley Dr and W Confederate Cir lies in FEMA high-risk zones (the Special Flood Hazard Area). Zones can change along a street, so check the exact address.
What ZIP code is Byrnes Downs in?
Byrnes Downs is in Charleston, SC. ZIP code 29407: the ZIP code on 242 of the 243 flood insurance claims counted here. ZIP codes do not follow neighborhood lines. Check the specific address for its own flood zone.
Do renters need flood insurance?
Standard renters policies usually do not cover flood. Renters in a community that participates in the NFIP can buy contents-only flood coverage, up to $100,000 for belongings.
How long does a new flood policy take to start?
A new NFIP policy generally takes effect 30 days after purchase. Exceptions include no wait when the policy is bought while making, increasing, extending or renewing a mortgage, and a one-day wait in a newly designated high-risk zone within 12 months of the map change.
How much coverage can NFIP provide?
For a one-to-four family home, NFIP building coverage goes up to $250,000 and contents coverage up to $100,000. You can buy flood insurance even if you are not in a high-risk zone, as long as your community participates in the NFIP.
How much is flood insurance in Byrnes Downs?
The typical NFIP flood insurance policy on single-family homes in Byrnes Downs cost $1,175 a year: the median of 454 policies that started between August 1, 2025 and July 31, 2026. Half cost between $959 and $1,670. One building’s quote can be far from this; its elevation, foundation, age, coverage and deductible all change the price.
FAQ sources: FloodSmart (NFIP): Buy a Flood Insurance Policy; FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025); 44 CFR 61.11, Effective date and time of coverage.
Nearby neighborhoods
- Does Avondale flood?
- Does Oak Forest flood?
- Does Woodlawn flood?
- Does Indigo Point flood?
- Does The Crescent flood?
- Does Saint Andrews flood?
How these numbers were made
Area: the census-based definition above, using U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names. Flood zone shares: the area polygon intersected with FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels, area computed in an equal-area projection; retrieved October 25, 2026. Claims: OpenFEMA NFIP Redacted Claims v3 records for Charleston County (county code 45019), dataset as of September 8, 2026, retrieved October 25, 2026. Claims are counted for exactly the block groups that make up the area. Block groups used: 450190030002. Neighboring pages can share a block group, so their counts can overlap. Paid totals add building, contents and Increased Cost of Compliance payments and are not adjusted for inflation; a claim whose FEMA record shows a negative payment (an adjustment) counts as zero. See the methodology.
Sources
- Federal Emergency Management Agency (FEMA), FEMA OpenFEMA Dataset: FIMA NFIP Redacted Claims - v3. Retrieved on October 25, 2026.
- FEMA National Flood Hazard Layer (NFHL), Flood Hazard Zones and FIRM Panels. Retrieved on October 25, 2026.
- U.S. Census Bureau TIGERweb, 2010 Census Block Groups and U.S. Geological Survey, Geographic Names Information System (GNIS) domestic names.
- FEMA Glossary: Flood Zones.
- FloodSmart (NFIP): Buy a Flood Insurance Policy.
- FEMA Fact Sheet: Think you don’t need flood insurance? Think again (Jan. 21, 2025).
- 44 CFR 61.11, Effective date and time of coverage.
- OpenFEMA Terms and Conditions.
- FEMA OpenFEMA Dataset: FIMA NFIP Redacted Policies - v3.
- U.S. Census Bureau TIGERweb, Transportation (primary, secondary and local roads).
Data as of September 8, 2026 (FEMA claims) and October 25, 2026 (flood zones). Page last updated October 25, 2026.