Natural hazards · Charlotte

Charlotte, ME natural hazards

Most of the natural-hazard damage FEMA expects in Charlotte comes from inland flooding, and overall the risk is moderate for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Charlotte?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Charlotte to be higher than in 52% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding41%Hurricanes28%Cold waves9%Ice storms9%Everything else14%

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

41% of expected damage

Below average · higher than 40% of U.S. places

Recorded about once a year in the area

Hurricanes

28% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 9 years in the area

Cold waves

9% of expected damage

Below average · higher than 47% of U.S. places

Recorded about 3 times a year in the area

Ice storms

9% of expected damage

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

Recorded about once a year in the area

Lower here

Coastal floodingTornadoesHailWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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?

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

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: Washington County.

Disasters that hit Charlotte

5 federal disasters brought FEMA money here

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

Brought FEMA money into CharlotteDeclared for Washington County only

2024

Severe Storms and Flooding

6 households applied for aid $3K aid approved

2023

Severe Storm and Flooding

$62K to the Town of Charlotte for repairs

2010

Severe Storms and Flooding

$16K to the Town of Charlotte for repairs

2007

Severe Storms and Inland and Coastal Flooding

$6K to the Town of Charlotte for repairs

2000

Severe Storms, Flooding, and Ice Jams

$2K to the Town of Charlotte for repairs

Washington County has had 21 natural disasters declared since 1953, most often severe storms and winter storms.

Around Charlotte

Charlotte and the towns around it

Very lowLowModerateHighVery high

Charlottemostly inland floodingModerate

Coopermostly inland floodingModerate

Meddybempsmostly inland floodingModerate

Baring plantationmostly inland floodingModerate

Pembrokemostly inland floodingModerate

Robbinstonmostly hurricanesLow

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 Town 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.