Does Harrison Acres flood?
Harrison Acres, Charleston, SC · ZIP code 29407: the ZIP code on 83 of the 86 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Harrison Acres have filed flood claims. About 73% of Harrison Acres’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 86 claims from the Census block groups that cover Harrison Acres, from 1979 through 2017. 39 of them received a payment, totaling $813,284 (not adjusted for inflation). The busiest years were 1989 (48 claims), 2016 (11 claims), 2017 (10 claims).
What this page counts as Harrison Acres
We could not find an openly licensed official boundary for Harrison Acres, so this page uses a census-based area. For this page, Harrison Acres 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 Harrison Acres (feature 1252910), 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 Harrison Acres. 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 Harrison Acres
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 Harrison Acres
The named streets in Harrison Acres, longest first, with how much of each street’s length inside Harrison Acres lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Harrison Acres; 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. 3 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| Wappoo Rd | 1.5 mi | 63% | AE (63%) |
| S Edgewater Dr | 3,530 ft | 34% | X (shaded, 0.2% annual chance) (66%) |
| N Edgewater Dr | 3,480 ft | 68% | AE (68%) |
| Pinckney Park Dr | 2,760 ft | 0.0% | X (unshaded, minimal) (82%) |
| Pearlott St | 2,510 ft | 0.0% | X (unshaded, minimal) (81%) |
| US Hwy 17 | 2,270 ft | 0.0% | X (unshaded, minimal) (100%) |
| Betsy Rd | 2,240 ft | 0.0% | X (shaded, 0.2% annual chance) (75%) |
| Huntley Dr | 2,190 ft | 27% | X (shaded, 0.2% annual chance) (60%) |
| Hoff Ave | 2,060 ft | 42% | X (shaded, 0.2% annual chance) (58%) |
| Garden St | 1,830 ft | 6.2% | X (shaded, 0.2% annual chance) (94%) |
| Island Dr | 1,830 ft | 29% | X (shaded, 0.2% annual chance) (71%) |
| Cross St | 1,800 ft | 43% | X (shaded, 0.2% annual chance) (57%) |
| Rotherwood Dr | 1,580 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Braxton Ave | 1,450 ft | 0.0% | X (unshaded, minimal) (100%) |
| Harrison Ave | 1,380 ft | 0.0% | X (unshaded, minimal) (91%) |
| Sasanqua Ln | 1,130 ft | 99% | AE (99%) |
| E Edgewater Dr | 1,110 ft | 84% | AE (84%) |
| Lantana Dr | 1,090 ft | 100% | AE (100%) |
| Wedgewood St | 1,070 ft | 23% | X (shaded, 0.2% annual chance) (77%) |
| Opal Ave | 890 ft | 0.0% | X (shaded, 0.2% annual chance) (92%) |
| Sanford Rd | 880 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Edsent Ave | 830 ft | 34% | X (shaded, 0.2% annual chance) (66%) |
| Skinner Ave | 770 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Norris Ave | 650 ft | 100% | AE (100%) |
| Emory Ave | 650 ft | 96% | AE (96%) |
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 Harrison Acres
Share of Harrison Acres’s mapped area (about 3.262 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 9 to 11 feet. Effective date of the FIRM panel(s) covering it (45019C0492K, 45019C0494K, 45019C0513K): January 29, 2021.
| FEMA zone | Share of area |
|---|---|
| AE | 52% |
| VE | 22% |
| X (shaded, 0.2% annual chance) | 18% |
| X (unshaded, minimal) | 9.1% |
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 Harrison Acres. 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 | 2 | $1,254 |
| 1980s | 50 | $92,530 |
| 1990s | 2 | $0 |
| 2000s | 2 | $1,644 |
| 2010s | 30 | $717,857 |
By year of loss
Named flood events with the most claims
- Hurricane Hugo: 46 claims
- Hurricane Matthew: 10 claims
- Hurricane Irma: 9 claims
- October severe storms: 8 claims
- Hurricane Cindy: 1 claims
FEMA labels some events only as “Flooding”. Claims by the flood zone the property was rated in:
- A/AE/AH/AO (high risk): 79
- X/B/C (moderate or minimal): 4
- V/VE (coastal high hazard): 3
How much is flood insurance in Harrison Acres?
The typical National Flood Insurance Program policy on single-family homes in Harrison Acres costs $1,192 a year: the median of 193 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $948 and $1,775. 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 Harrison Acres
- 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 Harrison Acres
Flood maps are only one part of choosing a neighborhood. To compare Harrison Acres with other Charleston neighborhoods on more than flooding, see Charleston on StrollPlace.
Buyer and renter FAQ
Does Harrison Acres flood?
Yes. Insured properties in and around Harrison Acres have filed flood claims. About 73% of Harrison Acres’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). NFIP flood insurance records list 86 claims from the Census block groups that cover Harrison Acres, from 1979 through 2017. 39 of them received a payment, totaling $813,284 (not adjusted for inflation). The busiest years were 1989 (48 claims), 2016 (11 claims), 2017 (10 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Harrison Acres in a flood zone?
About 73% of Harrison Acres’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE and VE). Shares by zone: AE 52%; VE 22%; X (shaded, 0.2% annual chance) 18%; X (unshaded, minimal) 9.1%. The FIRM panel(s) covering it took effect January 29, 2021.
Which streets in Harrison Acres are in a high-risk flood zone?
Most of the length of Wappoo Rd, N Edgewater Dr, Sasanqua Ln, E Edgewater Dr, Lantana Dr, Norris Ave and Emory Ave lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of Pinckney Park Dr, Pearlott St, US Hwy 17, Betsy Rd, Garden St, Rotherwood Dr, Braxton Ave and Harrison Ave does. Zones can change along a street, so check the exact address.
What ZIP code is Harrison Acres in?
Harrison Acres is in Charleston, SC. ZIP code 29407: the ZIP code on 83 of the 86 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 Harrison Acres?
The typical NFIP flood insurance policy on single-family homes in Harrison Acres cost $1,192 a year: the median of 193 policies that started between August 1, 2025 and July 31, 2026. Half cost between $948 and $1,775. 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 Chesterfield flood?
- Does Oakland flood?
- Does Sherwood Forest flood?
- Does Woodlawn flood?
- Does Indigo Point flood?
- Does Byrnes Downs 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: 450190028021. 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.