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Mint Hill City Hall & FountainPhoto: Algorhythms · CC BY-SA 4.0
B−Hazard risk
Natural hazards in Mint Hill · FEMA

FEMA expects about as much hazard damage per building in Mint Hill as in the typical U.S. town, mostly from river and rain flooding

On FEMA’s National Risk Index, Mint Hill gets a B− for hazard risk: lower expected damage per building than 52% of U.S. towns, #137 of 290 in North Carolina. Most of that expected damage is river and rain flooding (89%). Flood insurance has paid 9 claims here since 2014.

River and rain flooding 89%Tornadoes 4%Earthquakes 2%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

less than 52%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#137 of 290 in North Carolina
Hazard risk
B−#137 of 290
in North Carolina · lower than 52% of U.S. towns
Main hazard
River and rain flooding
89% of expected building damage
Flood claims
9
paid since 2014 · $182K
Flooded more than once
2
properties
Disasters paid out here
3
of 14 declared for Mecklenburg County
By hazard

What Mint Hill 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

89%of expected building damage
Above average · higher than 70% of U.S. census tracts
Recorded about 4 times a year in the area
Smaller shares here
 Tornadoes Earthquakes Hurricanes Hail Ice storms Wildfire Strong wind Lightning Winter storms Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Mint Hill’s grade

River and rain flooding is 89% of the building damage FEMA expects in Mint Hill, and Mint Hill’s rate of river and rain flooding damage is higher than 70% of U.S. census tracts.

Where Mint Hill sits
Mint Hill
Least damageMiddleMost damage

B− #137 of 290 in North Carolina; lower expected damage per building than 52% of U.S. towns (21,298).

Mint Hill’s residents live in 12 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding89%Tornadoes4%Everything else6%

The typical North Carolina town has lower expected damage than 51% of U.S. towns; within the state, Mint Hill has less expected damage per building than 53% of North Carolina towns.

In dollars, FEMA expects about $7.3M a year in losses across Mint Hill: $6.5M to buildings, the rest to people and crops.

A firm figure. It combines 12 census tracts by where Mint Hill’s residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Mint Hill flood? Rarely: 9 flood claims since 2014

Every paid claim on a federal flood insurance policy in Mint Hill, from FEMA’s records: 0.8 per 1,000 homes, fewer than 82% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2014: 1 claim2015: 0 claims2016: 0 claims2017: 0 claims2018: 1 claim2019: 0 claims2020: 0 claims2021: 0 claims2022: 1 claim2023: 0 claims2024: 6 claims2025: 0 claims2026: 0 claims201420182024
20142026
Biggest named events
  • Hurricane Florence1 claim · $9K
9
paid claims since 2014
$182K
paid to owners
2
homes flooded more than once
$20K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

Mint Hill isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Mecklenburg County.
What’s been done with FEMA grants
1flood-prone property bought out and cleared
Disasters

3 federal disasters brought FEMA money to Mint Hill

Disasters that paid out in Mint Hill itself (aid to households or repair grants to the Town of Mint Hill), newest first, with that year’s flood claims.

  1. 2024Tropical Storm Helene47 households applied for aid$19K aid approved6 flood claims paid that year
  2. 2002Severe Ice Storm$73K to the Town of Mint Hill for repairs
  3. 2000Severe Winter Storm$148K to the Town of Mint Hill for repairs
Disasters declared, by decade
Paid out in Mint HillMecklenburg County only

Mecklenburg County has had 14 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Mint Hill after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Mint Hill archive →
Next door

Mint Hill and its neighbors

Mint Hill has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.

Charlotte: hazard risk C+Matthews: hazard risk C+CharlotteMatthewsMint Hill
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Mint HillB−less damage than 52%river and rain flooding9
CharlotteC+more damage than 56%river and rain flooding2,023
MatthewsC+more damage than 59%river and rain flooding11

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.

Be ready

Get ready for what Mint Hill faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Mint Hill

Is Mint Hill at risk for natural disasters?

On FEMA’s National Risk Index, Mint Hill has lower expected damage per building than 52% of U.S. towns: B− for hazard risk, #137 of 290 in North Carolina. Most of the expected damage is river and rain flooding (89%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Mint Hill flood?

Flood insurance has paid 9 claims in Mint Hill since 2014, $182K in all, or 0.8 per 1,000 homes, fewer than 82% of U.S. towns with a flood insurance record. 2 properties have flooded more than once. The most claims came from Hurricane Florence (1).

Is Mint Hill 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 Mecklenburg County, 86% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.

How much is flood insurance in Mint Hill?

FEMA’s Community Rating System list shows no discount for Mint Hill’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Mint Hill?

By FEMA money that reached Mint Hill, Severe Winter Storm (2000): $148K to the Town of Mint Hill for repairs. By flood claims, Hurricane Florence: 1 paid, $9K.

Is Mint Hill at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (89%), and Mint Hill’s rate for it is higher than 70% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Mint Hill.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mint Hill’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.