Photo: Algorhythms · CC BY-SA 4.0Storms, floods and disasters in Carlisle
Carlisle isn’t graded for hazard risk: Carlisle has 494 residents; we grade towns of 1,000 or more.
What Carlisle 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
Earthquakes
Ice storms
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 Carlisle flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Carlisle. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Carlisle isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Union County.3 federal disasters brought FEMA money to Carlisle
Disasters that paid out in Carlisle itself (aid to households or repair grants to the Town of Carlisle), newest first, with that year’s flood claims.
- 2024Hurricane Helene274 households applied for aid$304K aid approved
- 2015Severe Storms and Flooding2 households applied for aid$5K aid approved
- 2000Severe Winter Storm$964 to the Town of Carlisle for repairs
Union County has had 16 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.
Old photos of Carlisle after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Carlisle archive →Get ready for what Carlisle 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- 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 Carlisle
Is Carlisle 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 Union County, 0.0% of all homes carry federal flood insurance.
How much is flood insurance in Carlisle?
FEMA’s Community Rating System list shows no discount for Carlisle’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 Carlisle?
By FEMA money that reached Carlisle, Hurricane Helene (2024): 274 households applied for aid, $304K approved.
Storm stories
Memories, warnings and help from neighbors in Carlisle.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Carlisle’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.