238 Hail and Wind Reports Near North Charleston Since 2015
North Charleston is in Charleston County, which has been part of 11 federal disaster declarations since 1989. Flooding drives many claims: 6,064 flood insurance claims were filed in Charleston County from 2015 to 2026. When an insurer denies, delays or underpays a North Charleston property claim, Halversen Law represents the homeowner, business or association. Our office is about 13 miles away in Mount Pleasant.
Property Insurance Claims in North Charleston
Halversen Law represents North Charleston 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 Charleston County property is typically heard in the Charleston County Court of Common Pleas in the 9th Judicial Circuit; federal cases go to the Charleston Division.
What North Charleston's Storm Record Means for Your Claim
- Hail: 70 reports within 10 miles since 2015; the largest was 1.5 inches on April 5, 2017 near Drayton. Hail claims often turn on whether marks on shingles are hail or wear. See hail damage claims.
- Wind: 168 damaging wind reports; the top gust was 81 mph on April 19, 2019. Wind claims often involve roofs, siding and fallen trees. See roof damage claims.
- Tornadoes: 6 since 2015, the most recent an EF0 on September 27, 2024 near Johns Island.
- Flood: 6,064 flood insurance claims in Charleston 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 Charleston County get wind and hail coverage from the SC Wind and Hail Underwriting Association. See wind pool claims.
Deadlines for North Charleston 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. Charleston County has had no federal disaster declaration in the last 3 years, but local hail, wind and water claims carry the same deadline. 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 North Charleston
Public records for North Charleston and Charleston County from NOAA, FEMA and South Carolina law. Sources are listed at the end of this section.
Severe weather within 10 miles of North Charleston, 2015 to 2025
- 70 hail reports, 31 of them 1 inch or larger. Largest: 1.5-inch hail on April 5, 2017 near Drayton.
- 168 damaging thunderstorm wind reports. Highest gust: 81 mph on April 19, 2019 near Charleston (measured).
- 6 tornadoes: EF0 on September 11, 2017 near Joint Base Charleston; EF0 on September 11, 2017 near James Island; EF0 on September 11, 2017 near The Groves; EF0 on August 30, 2023 near Goose Creek; EF0 on August 5, 2024 near Dupont; EF0 on September 27, 2024 near Johns Island.
- 122 flood and flash flood reports.
Federal disaster declarations for Charleston County
Charleston County was included in 11 FEMA major disaster declarations for storms, floods and other natural hazards from 1989 to 2026. The most recent: Hurricane Ian (2022, DR-4677), Hurricane Dorian (2019, DR-4464), Hurricane Florence (2018, DR-4394), Hurricane Irma (2017, DR-4346).
Flood insurance claims in Charleston County
6,064 National Flood Insurance Program claims were filed in Charleston County from 2015 to 2026, with $115.8 million paid. The event with the most claims was the October 2015 flood (1,928 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 North Charleston insurance case is heard
Charleston County is in South Carolina’s 9th Judicial Circuit. A state-court lawsuit over property in Charleston County is typically heard in the Charleston County Court of Common Pleas, the civil side of the circuit court. Federal cases from Charleston County are assigned to the Charleston Division of the U.S. District Court for the District of South Carolina.
Distance from our office
North Charleston is about 13 miles from our office at 496 Bramson Court, Suite 100, Mount Pleasant (about 19 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 North Charleston; 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.
Put Your Trust In Our Experience
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.
