Natural hazards · Loris

Loris, SC natural hazards

Most of the natural-hazard damage FEMA expects in Loris comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 51 claims here since 1981. 9 federal disasters brought FEMA money into town.

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

How exposed is Loris?

89
Very high
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Loris to be higher than in 89% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes66%Inland flooding15%Earthquakes8%Tornadoes6%Everything else5%
By hazard

What Loris faces

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

Hurricanes

66% of expected damage
Well above average · higher than 97% of U.S. places
Recorded about once every 4 years in the area

Inland flooding

15% of expected damage
Below average · higher than 26% of U.S. places
Recorded about 2 times a year in the area

Earthquakes

8% of expected damage
Well above average · higher than 80% of U.S. places

Tornadoes

6% of expected damage
Above average · higher than 72% of U.S. places

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Loris flood?

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

51paid claims since 1981
$2.3Mpaid to owners
11homes flooded more than once
19812026

Biggest named events

  • Hurricane Florence: 27 claims, $1.2M
  • Hurricane Matthew: 8 claims, $93K
  • Hurricane Idalia: 6 claims, $670K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times

of all homes
are insured
No community discount. Loris isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Horry County.
Disasters that hit Loris

9 federal disasters brought FEMA money here

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

Brought FEMA money into LorisDeclared for Horry County only
2022

Hurricane Ian

329 households applied for aid $441K aid approved
2018

Hurricane Florence

1,017 households applied for aid $843K aid approved $611K to the City of Loris for repairs
2016

Hurricane Matthew

780 households applied for aid $440K aid approved $345K to the City of Loris for repairs
2015

Severe Storms and Flooding

671 households applied for aid $300K aid approved
2014

Severe Winter Storm

$104K to the City of Loris for repairs
2004

Tropical Storm Frances

651 households applied for aid $534K aid approved
2004

Hurricane Charley

$2K to the City of Loris for repairs
2004

Severe Ice Storm

$28K to the City of Loris for repairs
1999

Hurricane Floyd Major Disaster Declarations

$22K to the City of Loris for repairs
Horry County has had 23 natural disasters declared since 1953, most often hurricanes and fires.
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. Loris covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Loris’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Loris. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Loris total about $3.5M a year, counting buildings, people and crops.

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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01