Does your insurance go up after a natural disaster?

Yes, and on the SC coast premiums climb whether you filed or not. Coastal SC premiums rose 20-35% since 2023, and the 2024 DOI report shows four major carriers non-renewing roughly 20,000 Myrtle Beach area policies. Myrtle Beach averages $4,033 per year, 75% above the SC average. A claim flags your CLUE report (the insurance claim history database that follows the house) for 5-7 years. Non-renewal stings more than the rate hike. Carriers send drop notices January through March, after hurricane season but before June 1. A roof older than 15 years is the top non-renewal trigger. Replacing before the drop letter keeps you out of the SC FAIR plan.