The number of Americans with flood insurance is on the rise, yet Hurricane Florence is likely to make it painfully clear that too many homeowners in the Carolinas and other vulnerable regions remain unprotected. An analysis of federal flood insurance records by The Associated Press found there were roughly 5.1 million active flood insurance policies in the U.S. as of July 31, up from 4.94 million a year earlier. The Carolinas had modest gains a 2.5 percent increase in South Carolina and a 3.5 percent increase in North Carolina.
But large gaps in coverage remain. South Carolina is the second-highest insured state for flooding, with roughly 65 percent of properties in flood hazard areas insured.