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C−Hazard risk
Natural hazards in Rosepine · FEMA

FEMA puts Rosepine’s expected hazard damage per building above that of 76% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Rosepine gets a C− for hazard risk: higher expected damage per building than 76% of U.S. towns. Most of that expected damage is river and rain flooding (53%), then hurricanes (34%). Flood insurance has paid 2 claims here since 2015.

River and rain flooding 53%Hurricanes 34%Tornadoes 7%

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 76%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C−
in Louisiana · higher than 76% of U.S. towns
Main hazard
River and rain flooding
53% of expected building damage
Flood claims
2
paid since 2015 · $9K
Disasters paid out here
6
of 26 declared for Vernon Parish
By hazard

What Rosepine 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

53%of expected building damage
Above average · higher than 61% of U.S. census tracts
Recorded about once a year in the area

Hurricanes

34%of expected building damage
Well above average · higher than 90% of U.S. census tracts
Recorded about once every 8 years in the area

Tornadoes

7%of expected building damage
Well above average · higher than 80% of U.S. census tracts
Smaller shares here
 Wildfire Hail Strong wind Earthquakes Ice storms Winter storms Cold waves Lightning Heat 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 tornadoes at 20% of Rosepine’s expected losses. Tornadoes do little damage to buildings (7.4%), 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.
Hazard risk grade

What’s behind Rosepine’s grade

River and rain flooding is 53% of the building damage FEMA expects in Rosepine, and Rosepine’s rate of river and rain flooding damage is higher than 61% of U.S. census tracts. Wildfire adds 3%, at a rate in the top 8% of U.S. census tracts.

Where Rosepine sits
Rosepine
Least damageMiddleMost damage

C− higher expected damage per building than 76% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding53%Hurricanes34%Tornadoes7%Everything else6%

In dollars, FEMA expects about $710K a year in losses across Rosepine: $475K to buildings, the rest to people and crops.

Recent disaster.FEMA’s model looks at expected damage to the buildings standing today. After Hurricane Laura in 2020, FEMA took 234 aid registrations from Rosepine addresses (the town has 818 homes).
Shared tract.All of Rosepine’s 1,519 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 Rosepine flood? Rarely: 2 flood claims since 2015

Every paid claim on a federal flood insurance policy in Rosepine, from FEMA’s records: 2.4 per 1,000 homes, fewer than 57% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2015: 2 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2015
20152026
Biggest named events
  • The Spring storm1 claim · $4K
2
paid claims since 2015
$9K
paid to owners
0
homes flooded more than once
$4K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Vernon Parish.
Disasters

6 federal disasters brought FEMA money to Rosepine

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

  1. 2020Hurricane Delta1 households applied for aid$557 aid approved
  2. 2020Hurricane Laura234 households applied for aid$211K aid approved$33K to the Town of Rosepine for repairs
  3. 2016Severe Storms and Flooding4 households applied for aid$6K aid approved
  4. 2008Hurricane Ike30 households applied for aid$7K aid approved$4K to the Town of Rosepine for repairs
  5. 2008Hurricane Gustav23 households applied for aid$6K to the Town of Rosepine for repairs
  6. 2005Hurricane Rita591 households applied for aid$739K aid approved$133K to the Town of Rosepine for repairs
Disasters declared, by decade
Paid out in RosepineVernon Parish only

Vernon Parish has had 26 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then floods.

Also 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Vernon Parish, 2000–2023.

Were you here?

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

Add to the Rosepine archive →
Be ready

Get ready for what Rosepine 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 ↗
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 ↗
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 Rosepine

Is Rosepine at risk for natural disasters?

On FEMA’s National Risk Index, Rosepine has higher expected damage per building than 76% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (53%) and hurricanes (34%). 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 Rosepine flood?

Flood insurance has paid 2 claims in Rosepine since 2015, $9K in all, or 2.4 per 1,000 homes, fewer than 57% of U.S. towns with a flood insurance record. The most claims came from Spring storm (1).

Is Rosepine 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 Vernon Parish, 22% of homes in mapped flood zones carry federal flood insurance, and 1.7% of all homes do.

How much is flood insurance in Rosepine?

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

By FEMA money that reached Rosepine, Hurricane Rita (2005): 591 households applied for aid, $739K approved, and $133K to the Town of Rosepine for repairs. By flood claims, Spring storm: 1 paid, $4K.

Is Rosepine at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (53%), and Rosepine’s rate for it is higher than 61% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Rosepine.

Town Square →
Start the conversation

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