By Canadian Hazards Data Team · Sourced from official open data
Direct municipal dataCharlottetown Natural Hazard Profile
Charlottetown's composite hazard grade is B, led by flood risk. Estimated home insurance runs ~$2,380/year (above the Prince Edward Island average of $2,360). Standard policies typically exclude overland flood coverage.
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Hazard risk summary
Official NRCan / ECCC classifications
Flood
Moderate
Wildfire
Low
Earthquake
Low
Composite hazard grade
B
Moderate hazard exposure
Peak ground acceleration
0.02g
NRCan seismic hazard reference
Home insurance estimate
$2,380/yr
Sample average for Charlottetown. Actual premiums vary by coverage, deductible, and claims history.
Prince Edward Island average
$2,360
Provincial sample mean
Charlottetown insurance premium2380 CAD/yr
Composite risk score1.33 (prov. avg 1.33)
Preparedness checklist
Actions tailored to Charlottetown's Flood-led hazard profile.
- 1Review your home insurance policy for hazard exclusions
- 2Store emergency supplies for 72 hours (water, food, medications)
- 3Register for local emergency alerts in your municipality
- 4Install a sump pump and backflow valve where applicable
- 5Keep valuables and documents above potential flood levels
- 6Consider overland flood coverage (not included in standard policies)
Compare home insurance in Charlottetown
Hazard exposure affects premiums and coverage availability. Compare quotes from Canadian insurers — flood and earthquake endorsements may require separate riders.
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Source · NRCan / ECCC hazard datasets. Last updated 2026. Refreshed on the site's automated schedule.
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