Charlestown, RI natural hazards
Most of the natural-hazard damage FEMA expects in Charlestown comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 184 claims here since 1978. 10 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Charlestown?
FEMA expects yearly storm and flood damage to homes and buildings in Charlestown to be higher than in 37% of U.S. communities, mostly from inland flooding.
What Charlestown faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Inland flooding
Coastal flooding
Hurricanes
Lower here
Not a risk here
Does Charlestown flood?
Every paid claim on a federal flood insurance policy in Charlestown, from FEMA’s records.
Biggest named events
- Hurricane Sandy: 67 claims, $2.0M
- March 2010 Nor'easter: 46 claims, $1.2M
- Hurricane Bob: 29 claims, $174K
Homes that flooded again and again
■ FEMA “severe repetitive loss” (1) ■ flooded 2+ times
are insured
are insured
10 federal disasters brought FEMA money here
Disasters the President declared that paid out in Charlestown itself: aid to households, or repair grants to the Town of Charlestown.
Severe Storms and Flooding
Severe Storm and Flooding
Severe Winter Storm and Snowstorm
Severe Winter Storm and Snowstorm
Severe Winter Storm and Snowstorm
Hurricane Sandy
Tropical Storm Irene
Severe Storms and Flooding
Record Snow
Snow
Charlestown and the towns around it
How to read this page
FEMA’s expected losses across Charlestown total about $2.8M 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.