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Rough and Ready, CaliforniaPhoto: Cullen328 · CC BY-SA 4.0
–Not graded
Natural hazards in Rough and Ready · FEMA

Storms, floods and disasters in Rough and Ready

Rough and Ready isn’t graded for hazard risk: Rough and Ready has 736 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
1
of 17 declared for Nevada County
By hazard

What Rough and Ready faces

Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.

Wildfire

50%of expected building damage
Well above average · in the top 1% of U.S. census tracts

River and rain flooding

46%of expected building damage
Well above average · higher than 88% of U.S. census tracts
Recorded about once a year in the area
Smaller shares here
 Earthquakes Tornadoes Landslides top 3% Hail Strong wind Winter storms Heat waves Lightning Volcanic activity
FEMA models no building damage here
Coastal floodingHurricanesIce stormsCold wavesAvalanchesTsunamis
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts avalanches at 30% of Rough and Ready’s expected losses. Avalanches do little damage to buildings (0.0%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Rough and Ready flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Rough and Ready. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Rough and Ready isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Nevada County.
Disasters

1 federal disaster brought FEMA money to Rough and Ready

Disasters that paid out in Rough and Ready itself (aid to households or repair grants to Rough and Ready), newest first, with that year’s flood claims.

  1. 2017Wildfires33 households applied for aid$252K aid approved
Disasters declared, by decade
Paid out in Rough and ReadyNevada County only

Nevada County has had 17 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 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Nevada County, 2009–2020.

Were you here?

Old photos of Rough and Ready after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Rough and Ready archive →
Be ready

Get ready for what Rough and Ready faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

Wildfire
  • Clear dead leaves and brush within 5 feet of the house.
  • Sign up for local alerts and know two ways out.
  • Keep N95 masks for smoky days.
More from Ready.gov ↗
When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Rough and Ready

Is Rough and Ready 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 Nevada County, 23% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.

How much is flood insurance in Rough and Ready?

FEMA’s Community Rating System list shows no discount for Rough and Ready’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 Rough and Ready?

By FEMA money that reached Rough and Ready, Wildfires (2017): 33 households applied for aid, $252K approved.

Storm stories

Memories, warnings and help from neighbors in Rough and Ready.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Rough and Ready’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.