61 Hail and Wind Reports Near Hilton Head Island Since 2015
Hilton Head Island is in Beaufort County, which has been part of 8 federal disaster declarations since 1989. Flooding drives many claims: 3,685 flood insurance claims were filed in Beaufort County from 2015 to 2026. When an insurer denies, delays or underpays a Hilton Head Island property claim, Halversen Law represents the homeowner, business or association. Our office is about 116 miles away in Mount Pleasant.
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Property Insurance Claims in Hilton Head Island
Halversen Law represents Hilton Head Island 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 Beaufort County property is typically heard in the Beaufort County Court of Common Pleas in the 14th Judicial Circuit; federal cases go to the Beaufort Division.
What Hilton Head Island's Storm Record Means for Your Claim
- Hail: 7 reports within 10 miles since 2015; the largest was 2 inches on March 20, 2018 near Daufuskie Island. 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: 54 damaging wind reports; the top gust was 75 mph on June 17, 2016. Wind claims often involve roofs, siding and fallen trees. See roof damage claims.
- Tornadoes: 1 since 2015, the most recent an EF0 on September 26, 2024 near Daufuskie Island.
- Flood: 3,685 flood insurance claims in Beaufort County since 2015. Most homeowners policies exclude flood, so storms with wind and water often bring a wind vs flood dispute.
- Wind pool: parts of coastal Beaufort County get wind and hail coverage from the SC Wind and Hail Underwriting Association. See wind pool claims.
- Hurricane Helene (2024): Beaufort County was in FEMA declaration DR-4829. See Helene claims.
- Tropical Storm Debby (2024): Beaufort County was in FEMA declaration DR-4835. See Debby claims.
Deadlines for Hilton Head Island 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. Beaufort County’s federal disaster declarations in the last 3 years: Tropical Storm Debby (2024), Hurricane Helene (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 Hilton Head Island
Public records for Hilton Head Island and Beaufort County from NOAA, FEMA and South Carolina law. Sources are listed at the end of this section.
Severe weather within 10 miles of Hilton Head Island, 2015 to 2025
- 7 hail reports, 4 of them 1 inch or larger. Largest: 2-inch hail on March 20, 2018 near Daufuskie Island.
- 54 damaging thunderstorm wind reports. Highest gust: 75 mph on June 17, 2016 near the Hilton Head Island airport (estimated).
- 1 tornado: EF0 on September 26, 2024 near Daufuskie Island.
- 3 flood and flash flood reports.
Federal disaster declarations for Beaufort County
Beaufort County was included in 8 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 Helene (2024, DR-4829), Hurricane Ian (2022, DR-4677), Hurricane Dorian (2019, DR-4464).
Flood insurance claims in Beaufort County
3,685 National Flood Insurance Program claims were filed in Beaufort County from 2015 to 2026, with $73.2 million paid. The event with the most claims was Hurricane Matthew (2,660 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 Hilton Head Island insurance case is heard
Beaufort County is in South Carolina’s 14th Judicial Circuit. A state-court lawsuit over property in Beaufort County is typically heard in the Beaufort County Court of Common Pleas, the civil side of the circuit court. Federal cases from Beaufort County are assigned to the Beaufort Division of the U.S. District Court for the District of South Carolina.
Distance from our office
Hilton Head Island is about 116 miles from our office at 496 Bramson Court, Suite 100, Mount Pleasant (about 153 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 Hilton Head Island; 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.
