Charlotte doesnt have a nfl team because charlotte is in north carolina and they have a team named carolina panthers :)
No NFL team has played a Super Bowl in their home city as of the '09-'10 football season.
Occasionally the NFL will allow a new team to be formed. If the team is a new team (as opposed to one relocating from another city) it is called an expansion team.
The Kansas City Chiefs.
Green Bay is by far the smallest market with an NFL team, with a population of only 101,203.