Natural hazards · Charlotte Park

Charlotte Park, FL natural hazards

Most of the natural-hazard damage FEMA expects in Charlotte Park comes from hurricanes, and overall the risk is very high for a U.S. community. 1 federal disaster brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Charlotte Park?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Charlotte Park to be higher than in 92% of U.S. communities, mostly from hurricanes.

Hurricanes77%Inland flooding11%Coastal flooding9%Everything else3%

By hazard

What Charlotte Park faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Hurricanes

77% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

11% of expected damage

Well below average · higher than 10% of U.S. places

Recorded about once every 2 years in the area

Coastal flooding

9% of expected damage

Well above average · among the top 1% of U.S. places

Lower here

TornadoesHailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Ice stormsWinter weatherDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Charlotte Park flood?

FEMA's records show no paid flood insurance claims in Charlotte Park.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Charlotte Park isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Charlotte County.

Disasters that hit Charlotte Park

1 federal disaster brought FEMA money here

Disasters the President declared that paid out in Charlotte Park itself: aid to households, or repair grants to Charlotte Park.

Brought FEMA money into Charlotte ParkDeclared for Charlotte County only

2017

Hurricane Irma

1 household applied for aid $22K aid approved

Charlotte County has had 35 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Charlotte Park

Charlotte Park and the towns around it

Very lowLowModerateHighVery high

Charlotte Parkmostly hurricanesVery high

Punta Gordamostly hurricanesVery high

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Charlotte Park is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Charlotte Park’s own flood-insurance community; household aid to the registrant’s city; repair grants to Charlotte Park. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.