Natural hazards · Charlotte

Charlotte, VT natural hazards

Most of the natural-hazard damage FEMA expects in Charlotte comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 1993. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Charlotte?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Charlotte to be higher than in 20% of U.S. communities, mostly from inland flooding.

Inland flooding72%Heat waves5%Everything else23%

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.

Inland flooding

72% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 2 times a year in the area

Heat waves

5% of expected damage

Well below average · higher than 9% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold 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 Charlotte flood?

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

3paid claims since 1993

$135Kpaid to owners

0homes flooded more than once

19932026

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: Chittenden County.

Disasters that hit Charlotte

6 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.

Brought FEMA money into CharlotteDeclared for Chittenden County only

2024

Severe Storm, Flooding, Landslides, and Mudslides

129 households applied for aid $536K aid approved $121K to the Town of Charlotte for repairs

2023

Severe Storms, Flooding, Landslides, and Mudslides

14 households applied for aid $46K aid approved

2019

Severe Storm and Flooding

$63K to the Town of Charlotte for repairs

2011

Tropical Storm Irene

4 households applied for aid

2011

Severe Storms and Flooding

3 households applied for aid

2001

Snow

$8K to the Town of Charlotte for repairs

Chittenden County has had 29 natural disasters declared since 1953, most often severe storms and floods.

Around Charlotte

Charlotte and the towns around it

Very lowLowModerateHighVery high

Willsboromostly inland floodingHigh

Essexmostly inland floodingHigh

Monktonmostly inland floodingLow

Ferrisburghmostly inland floodingLow

Charlottemostly inland floodingLow

Shelburnemostly inland floodingVery low

Hinesburgmostly 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. Charlotte covers 1 census tract, combined by population.

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 Town of Charlotte. 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 Charlotte total about $1.1M 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.