Natural hazards · Charlton

Charlton, MI natural hazards

Most of the natural-hazard damage FEMA expects in Charlton comes from inland flooding, and overall the risk is low for a U.S. community.

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

Expected damage

How exposed is Charlton?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Charlton to be higher than in 25% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding63%Cold waves17%Hail6%Everything else14%

By hazard

What Charlton faces

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

Inland flooding

63% of expected damage

Above average · higher than 51% of U.S. places

Recorded about once every 28 years in the area

Cold waves

17% of expected damage

Below average · higher than 34% of U.S. places

Recorded about 2 times a year in the area

Hail

6% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesTornadoesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Charlton flood?

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

Disasters that hit Charlton

Federal disasters declared here

None of the disasters declared for Otsego County shows FEMA aid or repair money reaching Charlton itself in FEMA’s records.

Brought FEMA money into CharltonDeclared for Otsego County only

Otsego County has had 5 natural disasters declared since 1953, most often winter storms and ice storms.

Around Charlton

Charlton and the towns around it

Very lowLowModerateHighVery high

Viennamostly inland floodingLow

Lovellsmostly inland floodingLow

Charltonmostly inland floodingLow

Dovermostly inland floodingLow

Corwithmostly inland floodingLow

Chestermostly inland floodingVery low

Albertmostly inland floodingVery low

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. Charlton 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 Charlton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Charlton. 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.