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–Not graded
Natural hazards in Marble Rock · FEMA

Storms, floods and disasters in Marble Rock

Marble Rock isn’t graded for hazard risk: Marble Rock has 191 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
3
of 17 declared for Floyd County
By hazard

What Marble Rock 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

80%of expected building damage
Well above average · higher than 88% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

14%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about once every 6 years in the area
Smaller shares here
 Hail Strong wind Winter storms Ice storms Earthquakes Wildfire Lightning Hurricanes Cold waves Heat waves top 3% Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts drought at 26% of Marble Rock’s expected losses. Drought does 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 Marble Rock flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Marble Rock. 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

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

Insurance rates: Floyd County.
What’s been done with FEMA grants
2flood-prone properties bought out and cleared
Disasters

3 federal disasters brought FEMA money to Marble Rock

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

  1. 2008Severe Storms, Tornadoes, and Flooding14 households applied for aid$87K aid approved$10K to the City of Marble Rock for repairs
  2. 2007Severe Winter Storms$4K to the City of Marble Rock for repairs
  3. 2004Severe Storms, Tornadoes, and Flooding1 households applied for aid$5K aid approved
Disasters declared, by decade
Paid out in Marble RockFloyd County only

Floyd 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.

Were you here?

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

Add to the Marble Rock archive →
Be ready

Get ready for what Marble Rock faces

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

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 ↗
Tornado warnings
  • Pick your spot now: the lowest floor, an inside room, no windows.
  • A watch means be ready; a warning means take cover now.
  • Keep shoes and a flashlight by the bed.
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 Marble Rock

Is Marble Rock 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 Floyd County, 19% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.

How much is flood insurance in Marble Rock?

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

By FEMA money that reached Marble Rock, Severe Storms, Tornadoes, and Flooding (2008): 14 households applied for aid, $87K approved, and $10K to the City of Marble Rock for repairs.

Storm stories

Memories, warnings and help from neighbors in Marble Rock.

Town Square →
Start the conversation

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