The Federal Emergency Management Administration (FEMA) has released updated Flood Insurance rate maps (FIRMs) for Hilton Head Island, South Carolina. 

We hope to answer your most common questions relating to this topic:


How do you find out your new flood zone? 

The maps may be accessed through the Town of Hilton Head Island’s website and show the extent to which areas throughout Hilton Head Island are at higher risk for flooding. You are able to enter your address and view your current flood zone and find out what your new flood zone will be. The updated Flood Insurance rate map shows whether properties are in areas of high, moderate or low flood risk. To search the Flood Hazard Zone click here.

If you live outside of the Town of Hilton Head Island, contact your local jurisdiction to find out more. 

Hilton Head flood maps


When will the new flood maps be effective?

FEMA released proposed rate maps based on updated coastal modeling in June 2017. The updated maps will become effective for flood insurance on March 23, 2021. This will be the first update since 1986.


What do the new flood zone designations mean?

According to the Town of Hilton Head Island, the new zones are detailed below:

Zone X (formerly Zone C) – low-risk zone
Zone Shaded X (formerly Zone B) – moderate-risk zone (0.2% annual chance flood)
Zone AO – areas of shallow flooding
Zone AE – high-risk zone (1% annual chance Flood)
Zone VE – coastal high-hazard zone


If you do not own property on Hilton Head Island or surrounding towns, what are you waiting for? Contact the Lisa Sisko Team for all of your real estate needs! We are a full-service real estate team specializing in single family homes, luxury homes, condos, townhomes and vacation homes. 

We look forward to bringing all of our expertise and resources to assist you with your residential real estate needs.