Natural hazards · Charlotte

Charlotte, TX natural hazards

Most of the natural-hazard damage FEMA expects in Charlotte comes from drought, and overall the risk is very low for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Charlotte?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Charlotte to be higher than in 16% of U.S. communities, mostly from drought and inland flooding.

Drought33%Inland flooding28%Tornadoes12%Hail8%Everything else18%

By hazard

What Charlotte faces

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

Drought

33% of expected damage

Recorded about 86 times a year in the area

Inland flooding

28% of expected damage

Below average · higher than 26% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

12% of expected damage

Above average · higher than 58% of U.S. places

Recorded about once every 14 years in the area

Hail

8% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Charlotte flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Atascosa County.

Disasters that hit Charlotte

3 federal disasters brought FEMA money here

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

Brought FEMA money into CharlotteDeclared for Atascosa County only

2021

Severe Winter Storms

11 households applied for aid $2K aid approved

2007

Severe Storms and Tornadoes

2 households applied for aid

2003

Hurricane Claudette

19 households applied for aid $16K aid approved $13K to the City of Charlotte for repairs

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

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