94 Hail and Wind Reports Near Florence Since 2015
Florence is in Florence County, which has been part of 13 federal disaster declarations since 1989. Damaging wind is the most common report: 86 thunderstorm wind reports within 10 miles since 2015, with a top gust of 75 mph. When an insurer denies, delays or underpays a Florence property claim, Halversen Law represents the homeowner, business or association. Our office is about 134 miles away in Mount Pleasant.
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Property Insurance Claims in Florence
Halversen Law represents Florence homeowners, businesses, and condo and HOA associations in claims against their insurers: denied claims, underpaid claims, slow claims and bad faith. A state-court case over Florence County property is typically heard in the Florence County Court of Common Pleas in the 12th Judicial Circuit; federal cases go to the Florence Division.
What Florence's Storm Record Means for Your Claim
- Hail: 8 reports within 10 miles since 2015; the largest was 2.5 inches on May 5, 2020 near Darlington. Hail is less frequent here, so insurers may question a hail claim; the NOAA date and size for your area matter. See hail damage claims.
- Wind: 86 damaging wind reports; the top gust was 75 mph on January 12, 2020. Wind claims often involve roofs, siding and fallen trees. See roof damage claims.
- Water: 299 flood insurance claims in Florence County since 2015, so most water claims here are burst pipes, roof leaks and storm rain rather than flood. See water damage claims.
- Tropical Storm Debby (2024): Florence County was in FEMA declaration DR-4835. See Debby claims.
Deadlines for Florence Claims
South Carolina allows 3 years to sue on a property policy (S.C. Code § 15-3-530(8)), and a shorter limit in the policy does not bar the suit. Florence County’s federal disaster declarations in the last 3 years: Tropical Storm Debby (2024). If a claim from one of those storms is still open or underpaid, check the dates now. See claim deadlines.
Before You Call
- Your policy and declarations page.
- The insurer’s letters and estimate.
- Your contractor’s estimate and photos.
- The date of loss, to match against the storm records below.
See also denied claims, underpaid claims and insurance bad faith.
Review your case. Time is of the essence in insurance claims. Protect your interests now.
Storm and Claim Records for Florence
Public records for Florence and Florence County from NOAA, FEMA and South Carolina law. Sources are listed at the end of this section.
Severe weather within 10 miles of Florence, 2015 to 2025
- 8 hail reports, 4 of them 1 inch or larger. Largest: 2.5-inch hail on May 5, 2020 near Darlington.
- 86 damaging thunderstorm wind reports. Highest gust: 75 mph on January 12, 2020 near Darlington (estimated).
- No tornadoes recorded.
- 22 flood and flash flood reports.
Federal disaster declarations for Florence County
Florence County was included in 13 FEMA major disaster declarations for storms, floods and other natural hazards from 1989 to 2026. The most recent: Tropical Storm Debby (2024, DR-4835), Hurricane Ian (2022, DR-4677), Hurricane Florence (2018, DR-4394), Hurricane Irma (2017, DR-4346).
Flood insurance claims in Florence County
299 National Flood Insurance Program claims were filed in Florence County from 2015 to 2026, with $6.3 million paid. The event with the most claims was Hurricane Matthew (133 claims). Most homeowners policies do not cover flood, so storms that bring both wind and water often lead to disputes over which damage the homeowners policy must pay.
Where a Florence insurance case is heard
Florence County is in South Carolina’s 12th Judicial Circuit. A state-court lawsuit over property in Florence County is typically heard in the Florence County Court of Common Pleas, the civil side of the circuit court. Federal cases from Florence County are assigned to the Florence Division of the U.S. District Court for the District of South Carolina.
Distance from our office
Florence is about 134 miles from our office at 496 Bramson Court, Suite 100, Mount Pleasant (about 154 minutes by car without traffic).
Using these records in a claim
When an insurer says roof or siding damage came from wear and tear rather than a storm, the dated NOAA report for your area is public evidence of when and where hail or high wind hit. See wind and weather claims, hurricane claims and homeowners claims, or call 843-284-5790.
Sources (retrieved October 2026): NOAA Storm Events Database, events whose start point is within 10 miles of Florence; wind speeds converted from knots; FEMA disaster declarations; OpenFEMA NFIP claims; S.C. Code § 14-5-610; 28 U.S.C. § 121; drive time from OpenStreetMap routing.
Experienced Property Insurance Attorneys in Charleston, SC
Where Property Rights and Insurance Converge.
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Halversen & Halversen focuses on property insurance law and real estate litigation matters where the interests of property owners and insurers intersect. We are a dedicated firm committed to representing homeowners, developers, and investors as advocates in coverage disputes, bad faith claims, land use conflicts, zoning challenges, and other real estate issues.
We bring extensive experience guiding real estate developers through litigation and partnering with municipalities and government bodies on property-related cases. Our work centers on holding insurers accountable while navigating South Carolina's complex regulations to protect your assets and secure rightful compensation.
