Kershaw County, SC: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Kershaw County scores at the 64.4th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about once every 2 years. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Mandatory flood insurance compliance in Kershaw County
Out of 539 homes FEMA counts inside Kershaw County's mapped flood zone, 199 carry the flood policy federal law requires there — 36.9% compliance, short of full coverage. Looking beyond the mandated zone, 1% of all residential structures in Kershaw County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Kershaw County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Kershaw County ranks 1167 — 1 being the highest hazard nationally — and 772 by population among all 3144 counties covered here, where 1 is the largest. Kershaw County, South Carolina covers 726.612 square miles and counts roughly 71,698 residents.
Checking a specific address in Kershaw County
FEMA counts 28,143 residential structures in Kershaw County overall, 275 of them carrying some form of NFIP coverage — but a lender or insurer cares about one parcel, not that county total.
Where Kershaw County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.