Storms, floods and disasters in Charlotte Township
Charlotte Township isn’t graded for hazard risk: Charlotte Township has 187 residents; we grade towns of 1,000 or more. Flood insurance has paid 3 claims here since 2017.
What Charlotte Township faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Tornadoes
Hail
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
Does Charlotte Township flood? Rarely: 3 flood claims since 2017
Every paid claim on a federal flood insurance policy in Charlotte Township, from FEMA’s records.
Charlotte Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Bates County.The storms Charlotte Township remembers
None of the 19 disasters declared for Bates County shows FEMA aid or repair money reaching Charlotte Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20172 flood claims paidNo declaration for the county that year
- 20191 flood claims paidThe year of Severe Storms, Tornadoes, and Flooding, declared for Bates County
Bates County has had 19 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Charlotte Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Charlotte Township archive →Charlotte Township and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Mount Pleasant Township | B+less damage than 66% | river and rain flooding | 8 |
| Elkhart Township | — | 354 residents; we grade 1,000+ | |
| New Home Township | — | 151 residents; we grade 1,000+ | |
| Homer Township | — | 302 residents; we grade 1,000+ | |
| Walnut Township | — | 294 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Charlotte Township faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Charlotte Township
Does Charlotte Township flood?
Flood insurance has paid 3 claims in Charlotte Township since 2017, $55K in all.
Is Charlotte Township in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Bates County, 5% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Charlotte Township?
FEMA’s Community Rating System list shows no discount for Charlotte Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Storm stories
Memories, warnings and help from neighbors in Charlotte Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Charlotte Township’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.