Does Indigo Point flood?
Indigo Point, Charleston, SC · ZIP code 29407: the ZIP code on 159 of the 159 flood insurance claims counted here. ZIP codes do not follow neighborhood lines.
Yes. Insured properties in and around Indigo Point have filed flood claims. About 58% of Indigo Point’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 159 claims from the Census block groups that cover Indigo Point, from 1978 through 2023. 108 of them received a payment, totaling $1,755,699 (not adjusted for inflation). The busiest years were 1989 (81 claims), 2015 (18 claims), 2017 (18 claims).
What this page counts as Indigo Point
We could not find an openly licensed official boundary for Indigo Point, so this page uses a census-based area. For this page, Indigo Point 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 Indigo Point (feature 1252943), 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 Indigo Point. 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 Indigo Point
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 Indigo Point
The named streets in Indigo Point, longest first, with how much of each street’s length inside Indigo Point lies in FEMA’s high-risk flood zones (the Special Flood Hazard Area, zones A and V). Length is the part inside Indigo Point; 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. 5 shorter streets are not listed.
| Street | Length | In high-risk zones | Main zone |
|---|---|---|---|
| US Hwy 17 | 1.2 mi | 5.5% | X (unshaded, minimal) (80%) |
| Farmfield Ave | 3,920 ft | 53% | AE (53%) |
| Betsy Rd | 3,770 ft | 11% | X (shaded, 0.2% annual chance) (76%) |
| Markfield Dr | 2,900 ft | 23% | X (shaded, 0.2% annual chance) (77%) |
| Parkwood Estates Dr | 2,880 ft | 9.6% | X (shaded, 0.2% annual chance) (72%) |
| Canterbury Rd | 2,510 ft | 55% | AE (55%) |
| Sanford Rd | 2,420 ft | 66% | AE (66%) |
| Indigo Point Dr | 2,200 ft | 100% | AE (100%) |
| McClain St | 2,160 ft | 93% | AE (93%) |
| Kensington Dr | 2,150 ft | 100% | AE (100%) |
| Hollywood Dr | 1,930 ft | 44% | X (shaded, 0.2% annual chance) (56%) |
| Lord Calvert Dr | 1,900 ft | 86% | AE (86%) |
| Dolmane Dr | 1,680 ft | 59% | AE (59%) |
| Susan Dr | 1,660 ft | 54% | AE (54%) |
| Lampton Rd | 1,430 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Pembrooke Dr | 1,300 ft | 100% | AE (100%) |
| Cabell St | 1,240 ft | 53% | AE (53%) |
| Lining Ln | 1,150 ft | 100% | AE (100%) |
| Sunset Dr | 1,140 ft | 0.0% | X (shaded, 0.2% annual chance) (53%) |
| Lantana Dr | 1,090 ft | 100% | AE (100%) |
| Forestwood Dr | 1,090 ft | 97% | AE (97%) |
| Leinbach Dr | 1,080 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Huguenot Ave | 1,050 ft | 72% | AE (72%) |
| Linden Cir | 1,030 ft | 0.0% | X (shaded, 0.2% annual chance) (100%) |
| Farmfield Rd | 920 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 Indigo Point
Share of Indigo Point’s mapped area (about 2.117 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 10 feet. Effective date of the FIRM panel(s) covering it (45019C0492K, 45019C0494K, 45019C0511K, 45019C0513K): January 29, 2021.
| FEMA zone | Share of area |
|---|---|
| AE | 58% |
| X (shaded, 0.2% annual chance) | 37% |
| X (unshaded, minimal) | 4.7% |
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 Indigo Point. 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 | $2,162 |
| 1980s | 86 | $435,581 |
| 1990s | 9 | $26,812 |
| 2000s | 1 | $3,787 |
| 2010s | 53 | $1,090,595 |
| 2020s | 5 | $196,763 |
By year of loss
Named flood events with the most claims
- Hurricane Hugo: 81 claims
- October severe storms: 17 claims
- Hurricane Irma: 17 claims
- Hurricane Matthew: 12 claims
- December Nor'easter: 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): 133
- X/B/C (moderate or minimal): 26
How much is flood insurance in Indigo Point?
The typical National Flood Insurance Program policy on single-family homes in Indigo Point costs $1,386 a year: the median of 356 policies that started between August 1, 2025 and July 31, 2026. Half of them cost between $1,154 and $2,040. 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 Indigo Point
- 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 Indigo Point
Flood maps are only one part of choosing a neighborhood. To compare Indigo Point with other Charleston neighborhoods on more than flooding, see Charleston on StrollPlace.
Buyer and renter FAQ
Does Indigo Point flood?
Yes. Insured properties in and around Indigo Point have filed flood claims. About 58% of Indigo Point’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). NFIP flood insurance records list 159 claims from the Census block groups that cover Indigo Point, from 1978 through 2023. 108 of them received a payment, totaling $1,755,699 (not adjusted for inflation). The busiest years were 1989 (81 claims), 2015 (18 claims), 2017 (18 claims). Past claims do not predict future flooding, and conditions vary street by street, so check the specific address.
Is Indigo Point in a flood zone?
About 58% of Indigo Point’s mapped area is inside FEMA’s Special Flood Hazard Area (high-risk zones such as AE). Shares by zone: AE 58%; X (shaded, 0.2% annual chance) 37%; X (unshaded, minimal) 4.7%. The FIRM panel(s) covering it took effect January 29, 2021.
Which streets in Indigo Point are in a high-risk flood zone?
Most of the length of Farmfield Ave, Canterbury Rd, Sanford Rd, Indigo Point Dr, McClain St, Kensington Dr, Lord Calvert Dr, Dolmane Dr, Susan Dr, Pembrooke Dr, Cabell St and Lining Ln lies in FEMA high-risk zones (the Special Flood Hazard Area). Less than 10% of US Hwy 17, Parkwood Estates Dr, Lampton Rd, Sunset Dr, Leinbach Dr and Linden Cir does. Zones can change along a street, so check the exact address.
What ZIP code is Indigo Point in?
Indigo Point is in Charleston, SC. ZIP code 29407: the ZIP code on 159 of the 159 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 Indigo Point?
The typical NFIP flood insurance policy on single-family homes in Indigo Point cost $1,386 a year: the median of 356 policies that started between August 1, 2025 and July 31, 2026. Half cost between $1,154 and $2,040. 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 Oak Forest flood?
- Does Sherwood Forest flood?
- Does Byrnes Downs flood?
- Does Harrison Acres flood?
- Does Avondale flood?
- Does Heathwood 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: 450190028022. 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.