Photo: UncleVinny · CC BY 3.0On FEMA’s figures, Roseville faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Roseville gets a C+ for hazard risk: higher expected damage per building than 57% of U.S. towns, #69 of 847 in California. Most of that expected damage is river and rain flooding (86%), then earthquakes (14%). Flood insurance has paid 259 claims here since 1978.
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 Roseville’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Roseville 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 Roseville’s grade
River and rain flooding is 86% of the building damage FEMA expects in Roseville, and Roseville’s rate of river and rain flooding damage is higher than 74% of U.S. census tracts. Next is earthquakes at 14% (higher than 79% of U.S. census tracts).
C+ #69 of 847 in California; higher expected damage per building than 57% of U.S. towns (21,298).
Roseville’s residents live in 35 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, Roseville has less expected damage per building than 92% of California towns.
Among the 400 U.S. cities of 100,000 or more, Roseville has lower expected damage per building than 52% (#191 of 400). Because it is so big, its total expected yearly loss, $46.9M, is the 263th largest of those 400.
Does Roseville flood? Yes: 259 flood claims since 1978
Every paid claim on a federal flood insurance policy in Roseville, from FEMA’s records: 4.2 per 1,000 homes, more than 56% of the 13,809 U.S. towns with a flood insurance record.
- The Pineapple Express - Southern7 claims · $117K
Roseville is in FEMA’s Community Rating System (class 1) for its flood-proofing work.
Insurance rates: Placer County.2 federal disasters brought FEMA money to Roseville
Disasters that paid out in Roseville itself (aid to households or repair grants to the City of Roseville), newest first, with that year’s flood claims.
- 2022Severe Winter Storms, Flooding, Landslides, and Mudslides$1.8M to the City of Roseville for repairs
- 2005Severe Storms, Flooding, Mudslides, and Landslides$348K to the City of Roseville for repairs2 flood claims paid that year
Placer County has had 16 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.
Also 7 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Placer County, 2002–2022.
Old photos of Roseville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Roseville archive →Roseville and its neighbors
Roseville is 4th of the 5 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 |
|---|---|---|---|
| Antelope | Bless damage than 63% | river and rain flooding | 2 |
| Citrus Heights | Bless damage than 61% | river and rain flooding | 16 |
| Rocklin | Bless damage than 58% | river and rain flooding | 19 |
| Roseville | C+more damage than 57% | river and rain flooding | 259 |
| Granite Bay | Cmore damage than 68% | river and rain flooding | 99 |
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 Roseville 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.
- Roseville residents get 45% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Roseville
Is Roseville at risk for natural disasters?
On FEMA’s National Risk Index, Roseville has higher expected damage per building than 57% of U.S. towns: C+ for hazard risk, #69 of 847 in California. Most of the expected damage is river and rain flooding (86%) and earthquakes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Roseville flood?
Flood insurance has paid 259 claims in Roseville since 1978, $9.8M in all, or 4.2 per 1,000 homes, more than 56% of U.S. towns with a flood insurance record. 9 properties have flooded more than once. The most claims came from Pineapple Express - Southern (7).
Is Roseville 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 Placer County, 43% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Roseville?
Roseville is in FEMA’s Community Rating System (class 1), which takes 45% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Roseville?
By FEMA money that reached Roseville, Severe Winter Storms, Flooding, Landslides, and Mudslides (2022): $1.8M to the City of Roseville for repairs. By flood claims, Pineapple Express - Southern: 7 paid, $117K.
Is Roseville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (86%), and Roseville’s rate for it is higher than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Roseville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Roseville’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.