Charlotte, TN 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. Flood insurance has paid 1 claim here since 2019. 8 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Charlotte?
FEMA expects yearly storm and flood damage to homes and buildings in Charlotte to be higher than in 51% of U.S. communities, mostly from inland flooding and earthquakes.
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
Earthquakes
Tornadoes
Cold waves
Lower here
Not a risk here
Does Charlotte flood?
Every paid claim on a federal flood insurance policy in Charlotte, from FEMA’s records.
are insured
are insured
8 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.
Severe Winter Storm
Severe Storms, Straight-Line Winds, Tornadoes, and Flooding
Severe Storms and Tornadoes
Severe Storms, Straight-Line Winds, and Tornadoes
Severe Storm and Flooding
Severe Storms, Flooding, Straight-Line Winds, and Tornadoes
Severe Storms and Tornadoes
Severe Storms, Tornadoes, and Flooding
How to read this page
FEMA’s expected losses across Charlotte total about $1.3M 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.