Helpful Resources 

FEMA – Federal Emergency Management Agency will help you with information about flood insurance.  

Flood Map - see if your home or business is in a flood zone 

SC Wind and Hail Underwriting Association - The South Carolina Wind and Hail Underwriting Association (SCWHUA) is the residual property insurance market in South Carolina. It provides coverage for the perils of wind and hail in the coastal area of the state designated by the Legislature as "Beach." The territory is defined by state law. 

Freddie Mac – Is a GSE ( Government Sponsored Entity) they are NOT lenders for mortgages directly to consumers, but buyers of loans written to consumers by banks and lending institutions. If banks don’t have a place to sell the loans they write then they will at some point run out of capital they have saved -which is essentially the deposits made by their customers.  

Fannie Mae – Very similar to Freddie Mac, but with different lending guidelines as to the loans they will purchase. Is thought to be the more conservative (traditional/conventional loans) buyer of loans between the two GSEs. 

Ginnie Mae – Very much like Fannie Mae and Freddie Mac, but instead of buying only conventional loans they purchase government loans from FHA, VA, and USDA.  

FHA – Federal Housing Administration - A part of the United States Department of Housing and Urban Development (HUD), FHA provides mortgage insurance on single-family, multifamily, manufactured homes and hospital loans made by FHA-approved lenders throughout the United States and its territories. 

The United States Recovery Plan –  

The VA ( Veterans Administration) – Set up to help veterans be able to adjust to life after service to our nation, by providing special medical, educational, job, and mortgage assistance. Specifically tailored for US service men and woman.  

South Carolina Dept. of Insurance - to protect the insurance consumers, the public interest, and the insurance marketplace by ensuring the solvency of insurers; by enforcing and implementing the insurance laws of this State; and by regulating the insurance industry in an efficient, courteous, responsive, fair, and equitable manner. 

South Carolina Dept. of Consumer Affairs - As the state agency designated to represent the interests of consumer, the S.C. Department of Consumer affairs attempts to resolve complaints and seeks to inform and educate consumers in order to create an atmosphere in which consumers will be more aware of their rights and responsibilities in the marketplace. 

Charleston County – The website for all real estate, council, community, and tax information.  

Richland County-  

Lexington County –  

Horry County –  

Spartanburg County –  

Dorchester County -  

USDA - USDA provides homeownership opportunities to rural Americans, as well as programs for home renovation and repair. USDA also makes financing available to elderly and disabled. 

SC Dept of Labor, Licensing, and Regulation -  South Carolina Real Estate Council whose purpose was to protect the public's interest when involved in a real estate transaction. The statute regulated the real estate industry by defining standards of practice and requiring the licensing of those individuals engaged in the business. 
 

UTILITIES

Electric & Gas Power Companies

Berkeley Electric Cooperative 
P.O. Box 1234 
Moncks Corner, SC 29461 
(843) 553-5020

Edisto Electric Cooperative 
P.O. Box 738 
St. George, SC 29477 
(843) 563-3292

Palmetto Economic Development Corp 
1201 Main Street, Suite 1701 
Columbia, SC 29201 
(803) 254-9211

Palmetto Electric Cooperative Inc. - 
Hampton (Hampton County) 
803-943-2211 
PO Box 548 
1231 Charleston Highway 
Palmetto Electric Cooperative Inc. - 

Hilton Head (Beaufort County) 
843-681-5551 
PO Box 23619 
111 Mathews Drive 
Hilton Head Island, SC 29925 
 
SCE&G (SCANA Corp.) 
1-800-251-7234

Charleston Region Water & Wastewater Companies

Berkley County Water & Sanitation Authority 
(BCW&SA) 
2111 Redbank Road 
Goose Creek, SC 29445 
(843) 572-4400

City of Goose Creek 
P.O. Drawer 768 
Goose Creek, SC 29445 
(843) 797-6220

City of Isle of Palms Water & Sewer Commission  
1300 Palm Blvd  
Isle of Palms, SC 29451  
843-886-6148

Commissioners of Public Works 
City of Charleston 
P.O. Drawer B 
103 St. Philip Street 
Charleston, SC 29402 
(843) 727-6800

Dorchester County Water & Sewer 
P.O. Box 9 
2120 East Main Street 
Dorchester, SC 29437 
(843) 832-0070

Mt. Pleasant Waterworks & Sewer Commission 
P.O. Box 330 
1619 Rifle Range Road 
Mt. Pleasant, SC 29465 
(843) 884-9626

North Charleston Sewer District 
P.O. Box 63009 
7225 Stall Road 
North Charleston, SC 29419 
(843) 764-3072

Saint Johns Water Company Inc  
3362 Maybank Hwy  
Johns Island, SC 29455  
843-559-0186

Summerville Commissioners of Public Works 
P.O. Box 817 
Summerville, SC 29484 
(843) 875-8750

 
Cable / Satellite / Telephone Companies