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D−Hazard risk
Natural hazards in Roseland · FEMA

More hazard damage per building is expected in Roseland than in 98% of U.S. towns, mostly from hurricanes

On FEMA’s National Risk Index, Roseland gets a D− for hazard risk: higher expected damage per building than 98% of U.S. towns. Most of that expected damage is hurricanes (87%), then river and rain flooding (10%). Flood insurance has paid 51 claims here since 1991.

Hurricanes 87%River and rain flooding 10%

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

more than 98%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
D−
in Florida · higher than 98% of U.S. towns
Main hazard
Hurricanes
87% of expected building damage
Flood claims
51
paid since 1991 · $1.6M
Disasters paid out here
3
of 23 declared for Indian River County

What stands out about Roseland’s natural hazards

From FEMA’s model and FEMA’s records, below.

Hurricanes: the top 1% of U.S. tractsFEMA’s building-damage rate for hurricanes here ranks in the top 1% of U.S. census tracts; it is 86.9% of the damage it expects.Remembers 200439 flood claims were paid for 2004 alone, the most of any year.
By hazard

What Roseland faces

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

Hurricanes

87%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about once every 3 years in the area

River and rain flooding

10%of expected building damage
Well below average · lower than 85% of U.S. census tracts
Recorded about once every 2 years in the area
Smaller shares here
 Tornadoes Wildfire Coastal flooding Strong wind Lightning Hail Earthquakes Cold waves Heat waves Landslides
FEMA models no building damage here
Winter stormsIce stormsAvalanchesTsunamisVolcanic activity

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.
Hazard risk grade

What’s behind Roseland’s grade

Hurricanes are 87% of the building damage FEMA expects in Roseland, and Roseland’s rate of hurricanes damage is in the top 1% of U.S. census tracts. Next is river and rain flooding at 10% (lower than 85% of U.S. census tracts).

Where Roseland sits
Roseland
Least damageMiddleMost damage

D− higher expected damage per building than 98% of U.S. towns (21,298).

All of Roseland’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
Hurricanes87%River and rain flooding10%Everything else3%

In dollars, FEMA expects about $1.7M a year in losses across Roseland: $1.6M to buildings, the rest to people and crops.

Shared tract.All of Roseland’s 1,591 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Roseland flood? Sometimes: 51 flood claims since 1991

Every paid claim on a federal flood insurance policy in Roseland, from FEMA’s records: 53.3 per 1,000 homes, more than 93% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1991: 2 claims1992: 0 claims1993: 0 claims1994: 2 claims1995: 0 claims1996: 0 claims1997: 2 claims1998: 0 claims1999: 2 claims2000: 0 claims2001: 0 claims2002: 3 claims2003: 0 claims2004: 39 claims2005: 0 claims2006: 0 claims2007: 0 claims2008: 1 claim2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199120022004
19912026
Biggest named events
  • Hurricane Jeanne26 claims · $1.2M
  • Hurricane Frances12 claims · $354K
  • Hurricane Irene2 claims · $4K
51
paid claims since 1991
$1.6M
paid to owners
0
homes flooded more than once
$32K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Indian River County.
Disasters

3 federal disasters brought FEMA money to Roseland

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

  1. 2005Hurricane Wilma1 households applied for aid$1K aid approved
  2. 2004Hurricane Jeanne131 households applied for aid$214K aid approved26 flood claims paid for it, $1.2M
  3. 2004Hurricane Frances95 households applied for aid$127K aid approved12 flood claims paid for it, $354K
Disasters declared, by decade
Paid out in RoselandIndian River County only

Indian River County has had 23 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then winter storms. 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 Indian River County, 1999–2007.

Were you here?

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

Add to the Roseland archive →
Next door

Roseland and its neighbors

Roseland is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Sebastian: hazard risk D−Micco: hazard risk D−SebastianMiccoRoseland
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
MiccoD−more damage than 96%hurricanes5
RoselandD−more damage than 98%hurricanes51
SebastianD−more damage than 98%hurricanes34

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.

Be ready

Get ready for what Roseland faces

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

Hurricane season
  • The season runs June through November and peaks from mid-August to mid-October.
  • Bring in porch furniture and anything the wind can throw.
  • Fill the gas tank and charge phones before the storm arrives.
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 Roseland

Is Roseland at risk for natural disasters?

On FEMA’s National Risk Index, Roseland has higher expected damage per building than 98% of U.S. towns: D− for hazard risk. Most of the expected damage is hurricanes (87%) and river and rain flooding (10%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Roseland flood?

Flood insurance has paid 51 claims in Roseland since 1991, $1.6M in all, or 53.3 per 1,000 homes, more than 93% of U.S. towns with a flood insurance record. The most claims came from Hurricane Jeanne (26).

Is Roseland 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 Indian River County, 52% of homes in mapped flood zones carry federal flood insurance, and 17.8% of all homes do.

How much is flood insurance in Roseland?

FEMA’s Community Rating System list shows no discount for Roseland’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 Roseland?

By FEMA money that reached Roseland, Hurricane Jeanne (2004): 131 households applied for aid, $214K approved. By flood claims, Hurricane Jeanne: 26 paid, $1.2M.

Is Roseland at risk from hurricanes?

It is the largest share of the building damage FEMA expects here (87%), and Roseland’s rate for it is in the top 1% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Roseland.

Town Square →
Start the conversation

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