FEMA puts Rockwood’s expected hazard damage per building below that of 83% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Rockwood gets an A− for hazard risk: lower expected damage per building than 83% of U.S. towns, #245 of 701 in Michigan. Most of that expected damage is river and rain flooding (87%). Flood insurance has paid 25 claims here since 1979.
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
What stands out about Rockwood’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Rockwood 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
Tornadoes
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.
What’s behind Rockwood’s grade
River and rain flooding is 87% of the building damage FEMA expects in Rockwood, and Rockwood’s rate of river and rain flooding damage is lower than 58% of U.S. census tracts. Coastal flooding adds 2%, at a rate in the top 6% of U.S. census tracts.
A− #245 of 701 in Michigan; lower expected damage per building than 83% of U.S. towns (21,298).
All of Rockwood’s residents live in one census tract; the figures are that tract’s.
The typical Michigan town has lower expected damage than 77% of U.S. towns; within the state, Rockwood has less expected damage per building than 65% of Michigan towns.
In dollars, FEMA expects about $751K a year in losses across Rockwood: $516K to buildings, the rest to people and crops.
Does Rockwood flood? Sometimes: 25 flood claims since 1979
Every paid claim on a federal flood insurance policy in Rockwood, from FEMA’s records: 18.7 per 1,000 homes, more than 83% of the 13,809 U.S. towns with a flood insurance record.
Rockwood is in FEMA’s Community Rating System (class 8) for its flood-proofing work.
Insurance rates: Wayne County.5 federal disasters brought FEMA money to Rockwood
Disasters that paid out in Rockwood itself (aid to households or repair grants to the City of Rockwood), newest first, with that year’s flood claims.
- 2023Severe Storms, Tornadoes, and Flooding187 households applied for aid$491K aid approved6 flood claims paid that year
- 2021Severe Storms, Flooding, and Tornadoes13 households applied for aid$4K aid approved
- 2014Severe Storms and Flooding13 households applied for aid$10K aid approved
- 2004Severe Storms, Tornadoes, and Flooding2 households applied for aid$508 aid approved
- 1999Mi - Severe Weather 1/2 /99$2K to the City of Rockwood for repairs
Wayne County has had 13 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.
Old photos of Rockwood after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Rockwood archive →Rockwood and its neighbors
Rockwood is 2nd of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Brownstown Township | A−less damage than 84% | river and rain flooding | 65 |
| Rockwood | A−less damage than 83% | river and rain flooding | 25 |
| Flat Rock | A−less damage than 82% | river and rain flooding | 12 |
| Berlin Township | B−more damage than 52% | river and rain flooding | 146 |
| South Rockwood | C+more damage than 56% | river and rain flooding | 4 |
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.
Get ready for what Rockwood faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- 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.
- Rockwood residents get 10% off flood insurance.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Rockwood
Is Rockwood at risk for natural disasters?
On FEMA’s National Risk Index, Rockwood has lower expected damage per building than 83% of U.S. towns: A− for hazard risk, #245 of 701 in Michigan. Most of the expected damage is river and rain flooding (87%) and tornadoes (6%). 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 Rockwood flood?
Flood insurance has paid 25 claims in Rockwood since 1979, $188K in all, or 18.7 per 1,000 homes, more than 83% of U.S. towns with a flood insurance record.
Is Rockwood 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 Wayne County, 22% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Rockwood?
Rockwood is in FEMA’s Community Rating System (class 8), which takes 10% off federal flood insurance policies for its flood-proofing work. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Rockwood?
By FEMA money that reached Rockwood, Severe Storms, Tornadoes, and Flooding (2023): 187 households applied for aid, $491K approved.
Is Rockwood at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (87%), and Rockwood’s rate for it is lower than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Rockwood.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Rockwood’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.