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Roseland-indiana-from-abovePhoto: Public domain · Public domain
–Not graded
Natural hazards in Roseland · FEMA

Storms, floods and disasters in Roseland

Roseland isn’t graded for hazard risk: FEMA’s tract figures aren’t matched to Roseland yet. Flood insurance has paid 5 claims here since 2016.

Flood claims
5
paid since 2016 · $88K
Flooded more than once
2
properties · 1 “severe repetitive loss”
Disasters paid out here
0
of 14 declared for St. Joseph County
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.

River and rain flooding

62%of expected building damage
Well below average · lower than 98% of U.S. census tracts
Recorded about once every 2 years in the area

Tornadoes

19%of expected building damage
Above average · higher than 61% of U.S. census tracts

Hail

11%of expected building damage
Well above average · higher than 80% of U.S. census tracts
Recorded about 2 times a year in the area

Earthquakes

5%of expected building damage
Below average · lower than 64% of U.S. census tracts
Smaller shares here
 Strong wind Lightning Hurricanes Ice storms Heat waves Wildfire Winter storms Cold waves 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 cold waves at 32% of Roseland’s expected losses. Cold waves 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 Roseland flood? Rarely: 5 flood claims since 2016

Every paid claim on a federal flood insurance policy in Roseland, from FEMA’s records.

Paid flood claims, by year
2016: 2 claims2017: 0 claims2018: 3 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims20162018
20162026
5
paid claims since 2016
$88K
paid to owners
2
homes flooded more than once
$18K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (1)Flooded 2+ times
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: St. Joseph County.
Disasters

The storms Roseland remembers

None of the 14 disasters declared for St. Joseph County shows FEMA aid or repair money reaching Roseland itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20183 flood claims paidThe year of Severe Storms and Flooding, declared for St. Joseph County
  2. 20162 flood claims paidNo declaration for the county that year
Disasters declared, by decade
Paid out in RoselandSt. Joseph County only

St. Joseph County has had 14 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

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 →
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.

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 ↗
Hail
  • Park in a garage or under cover when storms are forecast.
  • Stay away from windows while it falls.
  • Photograph roof and car damage for your insurer.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
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

Does Roseland flood?

Flood insurance has paid 5 claims in Roseland since 2016, $88K in all. 2 properties have flooded more than once.

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 St. Joseph County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.2% 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.

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.