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Charlotte city, NC

ZIP 28203 — Climate & Environment

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Climate, disaster risk, air quality, and environmental safety

Environment & Risk in ZIP Code 28203

Disaster Risk (FEMA NRI)

County-linked natural hazard risk from FEMA National Risk Index — useful for comparing insurance and disaster exposure.

FEMA’s National Risk Index rates natural-hazard risk for Charlotte city, NC as Relatively High (composite score 97.1), which is among the highest nationally. The strongest component scores on US5 are flood (99.0) and hurricane (84.2). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Overall rating
Relatively High
Risk index
97.1
Flood risk
99.0
Wildfire risk
62.2
Hurricane risk
84.2
Earthquake risk
93.2
Tornado risk
97.4
Winter weather risk
85.4
Hail risk
94.6
Air Quality (EPA AQI)

County-level annual air quality from EPA. Good days = healthy to breathe; unhealthy = sensitive groups or worse.

51
Median AQI
49.2%
Good Days

Air quality healthy to breathe

0.0%
Unhealthy / Hazardous

Sensitive groups or worse

Climate & Weather in ZIP Code 28203

Climate normals for Charlotte city, NC show little to no average snow and around 43.6 inches of annual precipitation. Pair that with FEMA NRI hazard context (overall rating Relatively High) when evaluating long-term housing and insurance exposure.

7-day weather forecast

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Sunrise, sunset & moon

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Monthly Temperature

30-year climate normals (avg. monthly temperature)

Climate Data
Hardiness Zone
8a
Annual Snow Days
0
Annual Precipitation
43.6 in
FEMA NRI rating
Relatively High

Climate & Environment key statistics

Climate statistics
Climate
Hardiness zone8a
Annual precip (in)43.6
Snow days0
Broadband access93.9%
Risk & Air Quality statistics
Risk & Air Quality
NRI ratingRelatively High
NRI risk index97.1
Flood risk (NRI)99.0
Wildfire risk (NRI)62.2
Hurricane risk (NRI)84.2
IRS net migration761
Median AQI51
Good AQI days49.2%