West Charlton United Presbyterian Church · Photo: Peter Flass · CC BY 3.0On FEMA’s figures, Charlton faces less hazard damage per building than 89% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Charlton gets an A for hazard risk: lower expected damage per building than 89% of U.S. towns, #191 of 758 in New York. Most of that expected damage is river and rain flooding (86%). Flood insurance has paid 4 claims here since 1979.
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
What Charlton 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
Hurricanes
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.
What’s behind Charlton’s grade
River and rain flooding is 86% of the building damage FEMA expects in Charlton, and Charlton’s rate of river and rain flooding damage is lower than 64% of U.S. census tracts. Next is hurricanes at 6% (higher than 66% of U.S. census tracts).
A #191 of 758 in New York; lower expected damage per building than 89% of U.S. towns (21,298).
All of Charlton’s residents live in one census tract; the figures are that tract’s.
The typical New York town has lower expected damage than 69% of U.S. towns; within the state, Charlton has less expected damage per building than 75% of New York towns.
In dollars, FEMA expects about $837K a year in losses across Charlton: $654K to buildings, the rest to people and crops.
Does Charlton flood? Rarely: 4 flood claims since 1979
Every paid claim on a federal flood insurance policy in Charlton, from FEMA’s records: 2.2 per 1,000 homes, fewer than 59% of the 13,809 U.S. towns with a flood insurance record.
Charlton isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Saratoga County.5 federal disasters brought FEMA money to Charlton
Disasters that paid out in Charlton itself (aid to households or repair grants to the Town of Charlton), newest first, with that year’s flood claims.
- 2019Severe Storms, Straight-line Winds, and Flooding$111K to the Town of Charlton for repairs
- 2017Severe Winter Storm and Snowstorm$19K to the Town of Charlton for repairs
- 2011Hurricane Irene2 households applied for aid$934 aid approved$56K to the Town of Charlton for repairs
- 2008Severe Winter Storm$105K to the Town of Charlton for repairs
- 2002Snowstorms$9K to the Town of Charlton for repairs
Saratoga County has had 13 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.
Old photos of Charlton after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Charlton archive →Charlton and its neighbors
Charlton is 2nd of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Ballston | Aless damage than 92% | river and rain flooding | 3 |
| Charlton | Aless damage than 89% | river and rain flooding | 4 |
| Galway | Aless damage than 87% | river and rain flooding | — |
| Glenville | B+less damage than 65% | river and rain flooding | 34 |
| Amsterdam | Bless damage than 64% | river and rain flooding | 7 |
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 Charlton 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.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- 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 Charlton
Is Charlton at risk for natural disasters?
On FEMA’s National Risk Index, Charlton has lower expected damage per building than 89% of U.S. towns: A for hazard risk, #191 of 758 in New York. Most of the expected damage is river and rain flooding (86%) and hurricanes (6%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Charlton flood?
Flood insurance has paid 4 claims in Charlton since 1979, $30K in all, or 2.2 per 1,000 homes, fewer than 59% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Charlton 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 Saratoga County, 0.6% of all homes carry federal flood insurance.
How much is flood insurance in Charlton?
FEMA’s Community Rating System list shows no discount for Charlton’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 Charlton?
By FEMA money that reached Charlton, Severe Storms, Straight-line Winds, and Flooding (2019): $111K to the Town of Charlton for repairs.
Is Charlton at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Charlton’s rate for it is lower than 64% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Charlton.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Charlton’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.