Brighton School · Photo: Asilvero · CC BY-SA 3.0FEMA expects less hazard damage per building in Rosemont than in 80% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Rosemont gets an A− for hazard risk: lower expected damage per building than 80% of U.S. towns, #7 of 847 in California. Most of that expected damage is river and rain flooding (70%), then earthquakes (29%). Flood insurance has paid 20 claims here since 1986.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What stands out about Rosemont’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Rosemont faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Earthquakes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Rosemont’s grade
River and rain flooding is 70% of the building damage FEMA expects in Rosemont, and Rosemont’s rate of river and rain flooding damage is lower than 67% of U.S. census tracts. Next is earthquakes at 29% (higher than 81% of U.S. census tracts).
A− #7 of 847 in California; lower expected damage per building than 80% of U.S. towns (21,298).
Rosemont’s residents live in 6 census tracts; FEMA’s figures are combined by where they live.
The typical California town has higher expected damage than 92% of U.S. towns; within the state, Rosemont has less expected damage per building than 99% of California towns.
In dollars, FEMA expects about $3.3M a year in losses across Rosemont: $3.0M to buildings, the rest to people and crops.
Does Rosemont flood? Sometimes: 20 flood claims since 1986
Every paid claim on a federal flood insurance policy in Rosemont, from FEMA’s records: 2.2 per 1,000 homes, fewer than 59% of the 13,809 U.S. towns with a flood insurance record.
- The Pineapple Express - Southern2 claims · $10K
Rosemont isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sacramento County.The storms Rosemont remembers
None of the 19 disasters declared for Sacramento County shows FEMA aid or repair money reaching Rosemont itself in FEMA’s records, so these are its biggest flood-claim years.
- 199515 flood claims paidThe year of Severe Winter Storms, Flooding Landslides, Mud Flow, declared for Sacramento County
- 19982 flood claims paidThe year of Severe Winter Storms and Flooding, declared for Sacramento County
- 19861 flood claims paidThe year of Severe Storms and Flooding, declared for Sacramento County
Sacramento County has had 19 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Rosemont after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Rosemont archive →Rosemont and its neighbors
Rosemont is 2nd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| La Riviera | A−less damage than 84% | river and rain flooding | 12 |
| Rosemont | A−less damage than 80% | river and rain flooding | 20 |
| Mather | B+less damage than 72% | river and rain flooding | — |
| Sacramento | B+less damage than 67% | river and rain flooding | 1,013 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Rosemont faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Rosemont
Is Rosemont at risk for natural disasters?
On FEMA’s National Risk Index, Rosemont has lower expected damage per building than 80% of U.S. towns: A− for hazard risk, #7 of 847 in California. Most of the expected damage is river and rain flooding (70%) and earthquakes (29%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Rosemont flood?
Flood insurance has paid 20 claims in Rosemont since 1986, $209K in all, or 2.2 per 1,000 homes, fewer than 59% of U.S. towns with a flood insurance record. The most claims came from Pineapple Express - Southern (2).
Is Rosemont in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Sacramento County, 81% of homes in mapped flood zones carry federal flood insurance, and 9.6% of all homes do.
How much is flood insurance in Rosemont?
FEMA’s Community Rating System list shows no discount for Rosemont’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Rosemont?
By flood claims, Pineapple Express - Southern: 2 paid, $10K.
Is Rosemont at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (70%), and Rosemont’s rate for it is lower than 67% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Rosemont.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Rosemont’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.