Natural hazards · Charleston

Charleston, PA natural hazards

Most of the natural-hazard damage FEMA expects in Charleston comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 2 claims here since 1979.

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

Expected damage

How exposed is Charleston?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Charleston to be higher than in 71% of U.S. communities, mostly from inland flooding.

Inland flooding87%Everything else13%

By hazard

What Charleston faces

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

Inland flooding

87% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesTornadoesHailIce 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 Charleston flood?

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

2paid claims since 1979

$813paid to owners

0homes flooded more than once

19792026

Biggest named events

Not a named storm: 1 claim, $701

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Tioga County.

Disasters that hit Charleston

Federal disasters declared here

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

Brought FEMA money into CharlestonDeclared for Tioga County only

Tioga County has had 17 natural disasters declared since 1953, most often floods and severe storms.

Around Charleston

Charleston and the towns around it

Very lowLowModerateHighVery high

Delmarmostly inland floodingVery high

Middleburymostly inland floodingHigh

Charlestonmostly inland floodingHigh

Wellsboromostly inland floodingModerate

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. Charleston covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Charleston’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Charleston. 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 Charleston total about $2.2M 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.