Natural hazards · Charlton

Charlton, NY natural hazards

Most of the natural-hazard damage FEMA expects in Charlton comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 4 claims here since 1979. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Charlton?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Charlton to be higher than in 15% of U.S. communities, mostly from inland flooding.

Inland flooding67%Tornadoes10%Hurricanes6%Everything else17%

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

67% of expected damage

Below average · higher than 36% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

10% of expected damage

Below average · higher than 38% of U.S. places

Hurricanes

6% of expected damage

Above average · higher than 66% of U.S. places

Recorded about once every 22 years in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat 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?

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

4paid claims since 1979

$30Kpaid to owners

1homes flooded more than once

19792026

Biggest named events

Not a named storm: 1 claim, $1K

Homes that flooded again and again

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

of all homes
are insured

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

Insurance rates: Saratoga County.

Disasters that hit Charlton

5 federal disasters brought FEMA money here

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

Brought FEMA money into CharltonDeclared for Saratoga County only

2019

Severe Storms, Straight-Line Winds, and Flooding

$111K to the Town of Charlton for repairs

2017

Severe Winter Storm and Snowstorm

$19K to the Town of Charlton for repairs

2011

Hurricane Irene

2 households applied for aid $934 aid approved $56K to the Town of Charlton for repairs

2008

Severe Winter Storm

$105K to the Town of Charlton for repairs

2002

Snowstorms

$9K to the Town of Charlton for repairs

Saratoga County has had 15 natural disasters declared since 1953, most often winter storms and hurricanes.

Around Charlton

Charlton and the towns around it

Very lowLowModerateHighVery high

Amsterdammostly inland floodingLow

Glenvillemostly inland floodingLow

Galwaymostly inland floodingVery low

Charltonmostly inland floodingVery low

Ballstonmostly 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 covers 1 census tract, combined by population.

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 Town of Charlton. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Charlton total about $837K a year, counting buildings, people and crops.

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.