Natural hazards · Monarch Mill

Monarch Mill, SC natural hazards

Most of the natural-hazard damage FEMA expects in Monarch Mill comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 1989.

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

Expected damage

How exposed is Monarch Mill?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Monarch Mill to be higher than in 25% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding38%Tornadoes23%Earthquakes7%Cold waves7%Heat waves6%Lightning5%Everything else15%

By hazard

What Monarch Mill faces

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

Inland flooding

38% of expected damage

Below average · higher than 26% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

23% of expected damage

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

Earthquakes

7% of expected damage

Above average · higher than 69% of U.S. places

Cold waves

7% of expected damage

Above average · higher than 62% of U.S. places

Recorded about once every 5 years in the area

Heat waves

6% of expected damage

Below average · higher than 33% of U.S. places

Recorded about 3 times a year in the area

Lightning

5% of expected damage

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

Lower here

HurricanesHailIce stormsWinter weatherWildfireLandslides

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Monarch Mill flood?

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

1paid claims since 1989

$41Kpaid to owners

0homes flooded more than once

19892026

Biggest named events

Hurricane Hugo: 1 claim, $41K

of all homes
are insured

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

Insurance rates: Union County.

Disasters that hit Monarch Mill

Federal disasters declared here

None of the disasters declared for Union County shows FEMA aid or repair money reaching Monarch Mill itself in FEMA’s records.

Brought FEMA money into Monarch MillDeclared for Union County only

Union County has had 17 natural disasters declared since 1953, most often hurricanes and ice 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. Monarch Mill covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Monarch Mill’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Monarch Mill. 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 Monarch Mill total about $1.4M 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.