Enter any address in Charlotte County, Virginia to see its FEMA flood zone
Flash flooding from heavy rainfall events is a significant concern in Charlotte County. Over the past 30 years, NOAA Storm Events data shows 44 flood events and 22 flash flood events, the latter resulting in two fatalities. For example, the remnants of Hurricane Debbie contributed to flash flooding in August 2024, causing downed trees and power lines due to wet soils and heavy rainfall. Another flood event occurred in January 2024, driven by a strong southerly wind flow carrying deep moisture.
While the National Flood Insurance Program (NFIP) data for Charlotte County shows limited claims, one claim was filed in Zone A with no reported water depth or payout. Another claim was filed in an unknown zone with an average payout of $1,709 and no reported water depth. Residents in areas prone to flash flooding, particularly those near waterways or in locations that have experienced heavy rainfall events, should remain aware of potential risks.
Summary generated from NOAA storm narratives and NFIP claim data for this county. Not predictive.
16 NOAA storm reports from this county describe what happened, in the words of the meteorologists who were there.
Charlotte County, Virginia has recorded 69 flood-related events since 1996 according to NOAA's Storm Events Database, including 22 flash floods and 44 river or area floods. The county has received 22 federal disaster declarations, 1 of which involved flooding or coastal storms. Enter any address above to check its FEMA flood zone designation.
FEMA Disaster Declarations (1972–2026)
Source: OpenFEMA Disaster Declarations Summaries.
| Declaration | Type | Date |
|---|---|---|
| Severe Winter Storm | Winter Storm | Jan 22, 2026 |
| Severe Winter Storms And Flooding | Severe Storm | Feb 10, 2025 |
| Tropical Storm Helene | Tropical Storm | Sep 25, 2024 |
| Severe Winter Storm And Snowstorm | Severe Storm | Jan 2, 2022 |
| Severe Winter Storms | Severe Ice Storm | Feb 11, 2021 |
| Covid-19 | Biological | Jan 20, 2020 |
| Covid-19 Pandemic | Biological | Jan 20, 2020 |
| Tropical Storm Michael | Hurricane | Oct 9, 2018 |
| Hurricane Florence | Hurricane | Sep 13, 2018 |
| Hurricane Sandy | Hurricane | Oct 26, 2012 |
NOAA Storm Events Database (1996–2025)
Source: NOAA National Weather Service Storm Events Database.
| Type | Date | Damage |
|---|---|---|
| Flood | Jan 10, 2024 | 0.00K |
| Flood | Aug 9, 2024 | 0.00K |
| Flash Flood | Aug 8, 2024 | 0.00K |
| Flood | Jul 13, 2023 | 0.00K |
| Tropical Storm | Oct 29, 2020 | 30.00K |
| Flood | Nov 12, 2020 | 0.00K |
| Flood | Feb 23, 2019 | 0.00K |
| Flood | Apr 25, 2018 | 0.00K |
| Flood | May 18, 2018 | 0.00K |
| Flash Flood | Sep 17, 2018 | 23.31K |
Flood — Jan 10, 2024
A deep, negatively tilted upper level trough and associated occluded front passed from the central Mississippi River Valley on January 9th toward the lower New England region by the morning of the 10th. Strong southerly wind flow ahead of the upper trough carried deep moisture from the Gulf of Mexico northward into the Carolinas and the lower Mid-Atlantic. Precipitable water values ranged fro...
Flood — Aug 9, 2024
The remnants of Hurricane Debbie moved north toward the area on August 8th, 2024. A strong southeast flow of wind on the system's northern extent, along with wet soils due to heavy rainfall, helped to cause downed trees and power lines over portions of Virginia. Winds gusted to at least 40 to 45 mph over parts of the region. The strong winds continued into the morning hours of August 9th, 2024....
Flash Flood — Aug 8, 2024
The remnants of Hurricane Debbie moved north toward the area on August 8th, 2024. A strong southeast flow of wind on the system's northern extent, along with wet soils due to heavy rainfall, helped to cause downed trees and power lines over portions of Virginia. Winds gusted to at least 40 to 45 mph over parts of the region. The strong winds continued into the morning hours of August 9th, 2024....
Flood — Jul 13, 2023
Slow moving frontal boundary, combined with a weak upper level storm system and a moisture laden airmass contributed to the development of widely scattered afternoon thunderstorms. A couple of these storms became severe and produced damaging winds.
Tropical Storm — Oct 29, 2020
Winds associated with Tropical Storm Zeta caused damage and power outages in southwestern Virginia, concentrated close to border with North Carolina. Wind gusts reached 30-40 knots during the peak of the storm. Numerous trees were blown down by Tropical Storm Zeta, with many falling on homes, power lines, and blocking roadways. A thunderstorm closely following Zeta contributed to some of the wi...
Source: NOAA National Weather Service Storm Events Database.
Source: OpenFEMA NFIP Individual Claims (2.25M records analyzed).
FEMA assigns flood zone designations to areas in Charlotte County, Virginia:
AE High Risk — 1% annual chance of flooding. Insurance required.
VE Very High Risk — Coastal flooding with wave action.
X (Shaded) Moderate Risk — 500-year floodplain.
X Low Risk — Outside major floodplains.
Properties in Charlotte County, Virginia that are in FEMA-designated Special Flood Hazard Areas (zones A and V) with federally backed mortgages are required to carry flood insurance.
Even outside high-risk zones, flood insurance is recommended. From 2014 to 2024, nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area.
Visit FloodSmart.gov to find an agent and get a quote.