FEMA expects about as much hazard damage per building in Gloverville as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Gloverville gets a B for hazard risk: lower expected damage per building than 58% of U.S. towns, #72 of 169 in South Carolina. Most of that expected damage is river and rain flooding (69%), then hurricanes (13%). Flood insurance has paid 1 claim here since 1998.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Gloverville faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Hurricanes
Tornadoes
Earthquakes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Gloverville’s grade
River and rain flooding is 69% of the building damage FEMA expects in Gloverville, and Gloverville’s rate of river and rain flooding damage is lower than 52% of U.S. census tracts. Next is hurricanes at 13% (higher than 82% of U.S. census tracts).
B #72 of 169 in South Carolina; lower expected damage per building than 58% of U.S. towns (21,298).
Gloverville’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical South Carolina town has lower expected damage than 55% of U.S. towns; within the state, Gloverville has less expected damage per building than 58% of South Carolina towns.
In dollars, FEMA expects about $680K a year in losses across Gloverville: $551K to buildings, the rest to people and crops.
Does Gloverville flood? Rarely: 1 flood claim since 1998
Every paid claim on a federal flood insurance policy in Gloverville, from FEMA’s records: 0.9 per 1,000 homes, fewer than 81% of the 13,809 U.S. towns with a flood insurance record.
Gloverville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Aiken County.2 federal disasters brought FEMA money to Gloverville
Disasters that paid out in Gloverville itself (aid to households or repair grants to Gloverville), newest first, with that year’s flood claims.
- 2024Hurricane Helene256 households applied for aid$174K aid approved
- 2020Severe Storms, Tornadoes, and Straight-line Winds2 households applied for aid$9K aid approved
Aiken County has had 16 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Gloverville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Gloverville archive →Gloverville and its neighbors
Gloverville is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Langley | B+less damage than 67% | river and rain flooding | — |
| Gloverville | Bless damage than 58% | river and rain flooding | 1 |
| Warrenville | Bless damage than 55% | river and rain flooding | — |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Gloverville faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Gloverville
Is Gloverville at risk for natural disasters?
On FEMA’s National Risk Index, Gloverville has lower expected damage per building than 58% of U.S. towns: B for hazard risk, #72 of 169 in South Carolina. Most of the expected damage is river and rain flooding (69%) and hurricanes (13%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Gloverville flood?
Flood insurance has paid 1 claim in Gloverville since 1998, $12K in all, or 0.9 per 1,000 homes, fewer than 81% of U.S. towns with a flood insurance record.
Is Gloverville in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Aiken County, 47% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Gloverville?
FEMA’s Community Rating System list shows no discount for Gloverville’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Gloverville?
By FEMA money that reached Gloverville, Hurricane Helene (2024): 256 households applied for aid, $174K approved.
Is Gloverville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (69%), and Gloverville’s rate for it is lower than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Gloverville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Gloverville’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.