Charlotte County, Virginia: hazard risk
FEMA rates Charlotte County's overall risk Very Low (score 17.4 of 100, higher than 17% of rated U.S. counties); 1 of its 14 hazards are rated Relatively High or Very High, led by drought. Its storm record holds 478 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 |
|---|---|---|---|
| Drought | Relatively High | 93.2 | $1.3M |
| Hurricane | Relatively Low | 74.1 | $528K |
| Lightning | Relatively Low | 29.8 | $66K |
| Winter Weather | Relatively Low | 28.6 | $17K |
| Strong Wind | Relatively Low | 22.1 | $124K |
| Earthquake | Very Low | 45.7 | $134K |
| Landslide | Very Low | 31.7 | $217 |
| Heat Wave | Very Low | 24.5 | $57K |
| Ice Storm | Very Low | 24.0 | $14K |
| Cold Wave | Very Low | 22.6 | $165K |
| Hail | Very Low | 22.1 | $49K |
| Riverine Flooding | Very Low | 19.8 | $1.5M |
| Tornado | Very Low | 17.8 | $122K |
| Wildfire | Very Low | 11.3 | $2K |
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 | 257 | 0 | $1.2M | 49th of 96 | 752nd of 3,080 |
| Floods | 66 | 2 | $4.3M | 41st of 96 | 577th of 3,080 |
| Hail | 52 | 0 | $111K | 58th of 96 | 2037th of 3,080 |
| Winter storms | 44 | 0 | $233K | 93rd of 96 | 1639th of 3,077 |
| Drought | 22 | 0 | $15M | 16th of 96 | 1027th of 3,063 |
| Heavy rain | 11 | 0 | $3K | 78th of 96 | 721st of 3,080 |
| High wind and dust storms | 9 | 0 | $598K | 64th of 96 | 1859th of 3,080 |
| Tornadoes | 6 | 0 | $8.9M | 62nd of 96 | 2320th of 3,080 |
| Extreme cold | 5 | 0 | $38K | 73rd of 96 | 1924th of 3,076 |
| Hurricanes and tropical storms | 3 | 0 | $2.4M | 31st of 96 | 641st of 1,849 |
| Lightning | 3 | 0 | $2K | 55th of 96 | 1051st of 3,080 |
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.