Property Atlas

County hazard profile

Charlotte, FL

Florida · pop. 186,734 · FIPS 12015

Relatively High
FEMA risk rating · RATING
Hurricane
dominant hazard
$131M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

near the national middle (41st percentile)

national median $15M/yr Charlotte $131M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively High 95.2/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively High 77/100
national median ~50 higher than 77% of counties
Community resilienceVery Low 12.15/100
national median ~50 among the lowest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Charlotte

The National Flood Insurance Program has paid 11,690 flood-insurance claims totaling $473.2M in Charlotte since 1978. The costliest year was 2024 ($398.3M paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1979: $3,808 paid 1980: $0 paid 1981: $0 paid 1982: $350,117 paid 1983: $7,968 paid 1984: $0 paid 1985: $348,491 paid 1986: $0 paid 1987: $10,255 paid 1988: $294,164 paid 1989: $0 paid 1990: $63,167 paid 1991: $56,877 paid 1992: $186,210 paid 1993: $548,065 paid 1994: $182,141 paid 1995: $2,167,709 paid 1996: $425,868 paid 1997: $82,614 paid 1998: $10,130 paid 1999: $28,388 paid 2000: $436,414 paid 2001: $3,700,116 paid 2002: $17,808 paid 2003: $175,524 paid 2004: $2,443,542 paid 2005: $89,087 paid 2006: $13,268 paid 2007: $0 paid 2008: $63,953 paid 2009: $23,075 paid 2010: $27,802 paid 2011: $0 paid 2012: $9,776 paid 2013: $86,722 paid 2014: $0 paid 2015: $0 paid 2016: $80,154 paid 2017: $3,729,041 paid 2018: $34,000 paid 2019: $660 paid 2020: $813,644 paid 2021: $0 paid 2022: $52,709,357 paid 2023: $5,659,916 paid 2024: $398,337,304 paid 2025: $0 paid 2026: $22,186 paid 2024 · $398.3M 1978 2026
$473.2M
total paid
$40,482
average claim
$1.2M
largest single claim
96%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Charlotte, FL and where it ranks among U.S. counties. It is not a verdict on whether Charlotte is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.