Charlotte County, Florida: hazard risk
FEMA rates Charlotte County's overall risk Relatively High (score 95.2 of 100, higher than 95% of rated U.S. counties); 3 of its 14 hazards are rated Relatively High or Very High, led by hurricane, lightning, coastal flooding. Its storm record holds 388 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Hurricane | Very High | 99.0 | $100M |
| Lightning | Very High | 98.2 | $2.3M |
| Coastal Flooding | Relatively High | 90.4 | $4.4M |
| Wildfire | Relatively Moderate | 92.5 | $1.5M |
| Riverine Flooding | Relatively Moderate | 85.3 | $19M |
| Strong Wind | Relatively Moderate | 74.6 | $797K |
| Heat Wave | Relatively Low | 75.1 | $839K |
| Tornado | Relatively Low | 62.6 | $1.4M |
| Cold Wave | Relatively Low | 51.6 | $733K |
| Drought | Relatively Low | 42.4 | $61K |
| Earthquake | Very Low | 30.3 | $56K |
| Landslide | Very Low | 29.2 | $209 |
| Hail | Very Low | 12.3 | $29K |
| Winter Weather | No Rating | 0.0 | $0 |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Severe thunderstorm wind | 88 | 0 | $2.2M | 51st of 67 | 2109th of 3,080 |
| Tornadoes | 65 | 2 | $28M | 16th of 67 | 89th of 3,080 |
| Hurricanes and tropical storms | 44 | 12 | $8.0B | 15th of 67 | 131st of 1,849 |
| Hail | 38 | 0 | – | 41st of 67 | 2402nd of 3,080 |
| Lightning | 26 | 3 | $1.9M | 21st of 67 | 180th of 3,080 |
| Extreme cold | 24 | 0 | $13M | 13th of 67 | 761st of 3,076 |
| Floods | 15 | 0 | $6.6M | 50th of 67 | 2278th of 3,080 |
| Heavy rain | 7 | 0 | – | 34th of 67 | 854th of 3,080 |
| High wind and dust storms | 7 | 0 | $36K | 11th of 67 | 2423rd of 3,080 |
| Wildfires | 7 | 0 | $104K | 22nd of 67 | 272nd of 2,972 |
| Rip currents and high surf | 1 | 1 | – | 30th of 67 | 203rd of 2,080 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Charlotte County record: every hazard by year and month, the deadliest events and FEMA's declarations.