20 IslandVibesIOP.com Ask an Agent Meet Denise Runza By L. C. Leach III Selling agency, Carolina One Real Estate 843-324-4761 Specialties: Charleston downtown/ coastal market Territory: 26 areas of the Lowcountry including Isle of Palms, Folly Beach, Sullivan’s Island and Goose Creek REAL ESTATE Dear Agent, What is the biggest general difference between buying a Charleston County home on the coast and one that is farther inland? I ask because I am an Upstate resident considering coastal property in the area. But due to issues like hurricane storm weather, tidal flooding, erosion and other coastal hazards that I haven't had to consider before, I was wondering what major factors I would need to consider before making a decision. Denise Runza: The biggest general difference you will see is price point. Due to the limited lots on an COASTAL COVERAGE SPECIALISTS HOMEOWNERS • CONDO • WIND & HAIL • COMMERCIAL • FLOOD 843.881-4707 insureme@sigsc.com FINDING THE RIGHT INSURANCE FOR ALL ISLAND RESIDENTS Family Owned & Operated island, as well as the beach access, marina/boating access and amazing ocean views, the price point will naturally be more expensive. If price is not an issue, the next item to consider would be flood insurance costs. While there are places inland where you will need to pay flood insurance, there are lots of locations where you are in an ‘X’ flood zone, and it is not required like it is on an island. Flooding may happen in some locations on the island as well, but if you do your research well before purchasing, you should be well informed on what has happened in the past. Also, all new construction requires the homes to be built with elevation to counter that issue.
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