Rock Hill, South Carolina Flood Zones
Last updated: March 2026
Rock Hill faces flooding from the Catawba River and Manchester Creek in York County. Heavy rainfall events cause river and creek overflows that threaten low-lying areas of the city.
York County has recorded 77 NFIP flood insurance claims since 1978, totaling $651K in payouts. Explore the full NFIP claims data by state and county to see how this area compares nationally.
FEMA Region
Region 4
NFIP Policies
516
York County
Avg. Premium
$733/yr
York County
FEMA Flood Risk Profile: York County
Based on FEMA's National Risk Index, which evaluates flood risk at the county level using historical loss data, exposure, and vulnerability.
Inland Flood Risk
Relatively ModerateEst. annual loss: $51.5M
Hurricane Risk
Relatively LowEst. annual loss: $1.4M
Source: FEMA National Risk Index, county-level assessment. Individual property risk may vary.
Federal Flood Disaster History: York County
York County has been included in 12 federal flood-related disaster declarations.
...and 4 earlier declarations since 1989.
These declarations affected communities across York County, including Rock Hill.
Source: OpenFEMA Disaster Declarations Summaries API. Data sourced February 2026.
NFIP Flood Insurance Claims: York County
Properties in York County have filed 77 NFIP flood insurance claims totaling $651K in payouts since 1978. The average claim payout is $8K.
Highest-Claim Years
1979
14 claims - $149K
2024
13 claims - $116K
2011
11 claims - $64K
Claims by Flood Zone
Source: OpenFEMA NFIP Claims API. Data sourced March 2026. See national claims data.
What Your Flood Zone Means in Rock Hill
Rock Hill faces flood risk primarily from river and stream overflow during heavy rainfall, snowmelt, or upstream dam releases. When rivers exceed their banks, floodwaters spread across low-lying areas mapped in AE and A zones. The most common FEMA flood zone designations in Rock Hill are Zone AE, Zone X. FEMA's National Risk Index estimates the county's annual expected loss from inland flooding at over $51.5M.
Riverine flood risk in Rock Hill is driven by the proximity and elevation of properties relative to nearby waterways. Properties closer to rivers with lower ground elevations typically face higher flood insurance premiums under FEMA's Risk Rating 2.0. If your property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance.
River flood maps can change when FEMA conducts new Flood Insurance Studies or when development alters drainage patterns. Letters of Map Amendment (LOMA) can remove individual properties if the natural ground elevation was always above the Base Flood Elevation and the property was inadvertently mapped in the SFHA. Use our free lookup tool to check the current flood zone for any Rock Hill address.
Flood Insurance Discount: Rock Hill
Rock Hill participates in FEMA's Community Rating System (CRS), a voluntary program that rewards communities for flood mitigation efforts beyond minimum NFIP requirements. Residents in the Special Flood Hazard Area may qualify for reduced flood insurance premiums.
CRS Class
Class 7
SFHA Premium Discount
15% off
CRS classes range from 1 (best) to 10 (no discount). Rock Hill's Class 7 rating means NFIP policyholders in the SFHA can receive up to a 15% discount on their flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Source: FEMA Community Rating System, October 2025. Discounts apply to NFIP policies only.
Rock Hill, SC Flood Zone FAQ
What flood zones are in Rock Hill, SC?
The most common FEMA flood zones in Rock Hill are Zone AE, Zone X. Properties in these high-risk zones (SFHA) may require flood insurance with a federally regulated or government-backed mortgage.
Is flood insurance required in Rock Hill?
If your Rock Hill property is in a Special Flood Hazard Area (SFHA) and you have a federally regulated or government-backed mortgage, federal law generally requires your lender to ensure you carry flood insurance. Properties in Zone X are not federally required to carry flood insurance, though coverage is still recommended since over 40% of all NFIP flood claims come from Zone X properties.
How do I check my flood zone in Rock Hill?
Enter your Rock Hill address in the search tool above for an instant flood zone determination. Results include your FEMA flood zone, SFHA status, base flood elevation (if available), and FIRM panel information, pulled directly from FEMA's National Flood Hazard Layer.
Does Rock Hill offer flood insurance discounts?
Yes. Rock Hill participates in FEMA's Community Rating System (CRS) with a Class 7 rating, qualifying residents in the Special Flood Hazard Area for up to a 15% discount on NFIP flood insurance premiums. Properties outside the SFHA may receive a 5% discount.
Has Rock Hill experienced major flooding events?
York County, where Rock Hill is located, has been part of 12 federal disaster declarations for flooding, hurricanes, or severe storms. The most recent was Hurricane Helene in 2024. Federal disaster declarations are issued when flooding overwhelms local resources and triggers FEMA assistance programs.
How many flood insurance claims have been filed in Rock Hill?
York County has recorded 77 NFIP flood insurance claims totaling $651K in payouts since 1978. The year with the most claims was 1979, with 14 claims and $149K in payouts. These figures cover all NFIP claims in the county, including Rock Hill.
How many flood insurance policies are active in Rock Hill?
York County currently has 516 active NFIP flood insurance policies with an average annual premium of $733. The most policies are in Zone X (326 policies). These figures cover all active NFIP policies in the county.
Can my Rock Hill property be removed from a high-risk flood zone?
Yes, if your property's natural ground elevation is above the Base Flood Elevation and FEMA inadvertently mapped it in a high-risk zone, you can apply for a Letter of Map Amendment (LOMA). A successful LOMA removes the property from the Special Flood Hazard Area, generally eliminating the federal mandatory flood insurance requirement. You will need an elevation certificate from a licensed surveyor. If a property was raised above the BFE with fill material, the process is a LOMR-F rather than a LOMA.
What is Base Flood Elevation in Rock Hill?
Base Flood Elevation (BFE) is the predicted height of floodwaters during a 1% annual chance (100-year) flood, shown on FEMA maps as an elevation number in feet above sea level. In Rock Hill's Zone AE areas, BFE lines appear on the FIRM as wavy contours labeled with elevation values. Properties with a lowest floor at or above the BFE typically qualify for significantly lower NFIP flood insurance premiums.
Other South Carolina Cities
Understanding Flood Zones
Look Up Any Rock Hill, SC Address
Enter a Rock Hill, SC address to instantly check its FEMA flood zone designation, SFHA status, and insurance requirements.
Disclaimer: Flood risk data on this page is sourced from FEMA datasets including the National Risk Index, NFIP claims and policy records, disaster declarations, and the Community Rating System. These datasets were last extracted on March 2026 and may not reflect the most recent changes. This page is for informational purposes only and is not a certified flood zone determination. Always verify current flood zone status through FEMA or a licensed determination provider before making property, insurance, or lending decisions.