Natural hazards · Lobeco

Lobeco, SC natural hazards

Most of the natural-hazard damage FEMA expects in Lobeco comes from hurricanes, and overall the risk is very high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Lobeco?

Very high

vs. U.S. communities

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

Hurricanes69%Inland flooding9%Earthquakes9%Coastal flooding5%Everything else9%

By hazard

What Lobeco faces

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

Hurricanes

69% 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

9% of expected damage

Below average · higher than 27% of U.S. places

Recorded about once a year in the area

Earthquakes

9% of expected damage

Well above average · higher than 83% of U.S. places

Coastal flooding

5% of expected damage

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

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong 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 Lobeco flood?

FEMA's records show no paid flood insurance claims in Lobeco.

of all homes
are insured

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

Insurance rates: Beaufort County.

Disasters that hit Lobeco

2 federal disasters brought FEMA money here

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

Brought FEMA money into LobecoDeclared for Beaufort County only

2024

Hurricane Helene

3 households applied for aid $300 aid approved

2016

Hurricane Matthew

5 households applied for aid

Beaufort 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. Lobeco 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 Lobeco’s own flood-insurance community; household aid to the registrant’s city; repair grants to Lobeco. 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.