In Horry County, the SC Wind and Hail Underwriting Association area runs east of the west bank of the Intracoastal Waterway from the North Carolina line to where US 17 crosses it. South of there, it runs east of US 17 or Bypass 17, whichever is farther west, to Georgetown County. Check exact addresses at scwind.com.
Last updated: October 2026
What is the windpool?
It is the common name for the SC Wind and Hail Underwriting Association. The association provides wind and hail coverage only, in a defined coastal area, for property owners who cannot get that coverage from a private company. Owners in the area still need a regular homeowners policy for other risks, and flood is separate.
Where exactly does the line run in Horry County?
It follows the Intracoastal Waterway in the north and US 17 in the south. Based on the association's coverage territory, the Horry County area is:
- East of the west bank of the Atlantic Intracoastal Waterway, from the North Carolina line to the point where US 17 crosses the waterway
- South of that point, east of US 17 or Bypass 17, whichever is farther west, down to the Georgetown County line
That means much of the beachfront side of North Myrtle Beach, Myrtle Beach and Surfside Beach sits in the area, while inland places like Conway are outside it.
What about Georgetown County?
In Georgetown County, the area covers land east of US 17 or Bypass 17 between the Harrell Siau Bridge and the Horry County line, and east of the Intracoastal Waterway south of that bridge.
How do I check a specific address?
Use the address lookup on scwind.com. Lines on a highway map can be hard to read for homes near the boundary. The association's website has an eligibility check for addresses. Your insurance agent can confirm it as part of a quote.
What does it mean for a buyer?
If a home is inside the area and private insurers exclude wind, you may carry two policies: a homeowners policy with wind excluded and a windpool policy for wind and hail. An inspection is required for new windpool policies, and buildings started on or after September 15, 1971 must meet building code requirements.
Ask for quotes on both policies during due diligence. Our flood zone guide covers the separate question of flood risk.
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Frequently Asked Questions
Is all of Myrtle Beach in the windpool area?
Not necessarily. The line follows the Intracoastal Waterway and US 17, so check each address at scwind.com.
Is Conway in the windpool?
Conway is inland of the waterway and US 17, so it is outside the described coastal area. Confirm any address with the lookup tool.
Does the windpool cover flood?
No. It covers wind and hail only. Flood requires a separate policy.
Do I have to use the windpool if I am inside the line?
No. It is for owners who cannot get wind coverage privately. Many homes in the area are insured by private companies.
Is Carolina Forest in the windpool?
Carolina Forest is generally inland of the waterway, but boundaries matter. Use the scwind.com address check for the exact home.
How Our Team Can Help
Knowing which side of the line a home sits on helps you compare insurance costs between areas. Call or message the Secure Home Finder Team and we will walk you through it, then send you homes that fit.
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