TownTapestry
Sign inJoin
CharlotteGood night
Natural hazards · Charlotte

Charlotte, IA natural hazards

Most of the natural-hazard damage FEMA expects in Charlotte comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 13 claims here since 1981. 4 federal disasters brought FEMA money into town.

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

How exposed is Charlotte?

65
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Charlotte to be higher than in 65% of U.S. communities, mostly from inland flooding and drought.

Inland flooding45%Drought21%Strong wind11%Tornadoes10%Hail5%Cold waves5%Everything else3%
By hazard

What Charlotte faces

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

Inland flooding

45% of expected damage
Well above average · higher than 78% of U.S. places
Recorded about 3 times a year in the area

Drought

21% of expected damage
Recorded about 12 times a year in the area

Strong wind

11% of expected damage
Well above average · higher than 96% of U.S. places
Recorded about 6 times a year in the area

Tornadoes

10% of expected damage
Well above average · higher than 91% of U.S. places
Recorded about once every 4 years in the area

Hail

5% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about 4 times a year in the area

Cold waves

5% of expected damage
Well below average · higher than 17% of U.S. places
Recorded about 7 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 flood?

Every paid claim on a federal flood insurance policy in Charlotte, from FEMA’s records.

13paid claims since 1981
$121Kpaid to owners
1homes flooded more than once
19812026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured
of all homes
are insured
No community discount. Charlotte isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Clinton County.

What’s been done with FEMA grants

1flood-prone properties bought out and cleared
Disasters that hit Charlotte

4 federal disasters brought FEMA money here

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

Brought FEMA money into CharlotteDeclared for Clinton County only
2020

Severe Storms

2 households applied for aid
2019

Severe Storms and Flooding

$180K to the City of Charlotte for repairs
2007

Severe Winter Storms

$2K to the City of Charlotte for repairs
2002

Severe Storms and Flooding

$59K to the City of Charlotte for repairs
Clinton County has had 18 natural disasters declared since 1953, most often floods and severe storms.
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 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’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Charlotte. 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.

We left the porch light on

Where to, neighbor?

You’re in Charlotte, IAView boundary

Nearby

All towns & citiesExplore the map

Local begins with a boundary.

See what belongs to your selected town.

Loading boundary…

Charlotte is your selected town. The feed includes posts assigned to this town, not a distance radius or ZIP code.

Neighborhoods narrow the feed further, while townwide announcements, events, and issues remain visible.

Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
Open detailed map