Natural hazards · Hardeeville

Hardeeville, SC natural hazards

Most of the natural-hazard damage FEMA expects in Hardeeville comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 13 claims here since 1995. 8 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Hardeeville?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hardeeville to be higher than in 98% of U.S. communities, mostly from hurricanes.

Hurricanes76%Inland flooding13%Everything else12%

By hazard

What Hardeeville faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Hurricanes

76% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 3 years in the area

Inland flooding

13% of expected damage

Below average · higher than 46% of U.S. places

Recorded about once every 3 years in the area

Lower here

Coastal floodingTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Hardeeville flood?

Every paid claim on a federal flood insurance policy in Hardeeville, from FEMA’s records.

13paid claims since 1995

$352Kpaid to owners

4homes flooded more than once

19952026

Biggest named events

Hurricane Matthew: 5 claims, $154K
Hurricane Debby: 2 claims, $136K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Hardeeville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Jasper County.

Disasters that hit Hardeeville

8 federal disasters brought FEMA money here

Disasters the President declared that paid out in Hardeeville itself: aid to households, or repair grants to the City of Hardeeville.

Brought FEMA money into HardeevilleDeclared for Jasper County only

2024

Hurricane Helene

588 households applied for aid $562K aid approved

2023

Hurricane Idalia

$11K to the City of Hardeeville for repairs

2022

Hurricane Ian

$19K to the City of Hardeeville for repairs

2019

Hurricane Dorian

$24K to the City of Hardeeville for repairs

2018

Hurricane Florence

$22K to the City of Hardeeville for repairs

2017

Hurricane Irma

$23K to the City of Hardeeville for repairs

2016

Hurricane Matthew

356 households applied for aid $123K aid approved $179K to the City of Hardeeville for repairs

1999

Hurricane Floyd Major Disaster Declarations

$7K to the City of Hardeeville for repairs

Jasper County has had 14 natural disasters declared since 1953, most often hurricanes and winter storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Hardeeville is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Hardeeville’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hardeeville. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.