Photo: Goldnpuppy · CC BY-SA 3.0FEMA expects less hazard damage per building in Roseville than in 74% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Roseville gets a B+ for hazard risk: lower expected damage per building than 74% of U.S. towns, #398 of 701 in Michigan. Most of that expected damage is river and rain flooding (73%), then tornadoes (16%). Flood insurance has paid 5 claims here since 2019.
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 Roseville 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 Roseville’s grade
River and rain flooding is 73% of the building damage FEMA expects in Roseville, and Roseville’s rate of river and rain flooding damage is lower than 59% of U.S. census tracts. Next is tornadoes at 16% (higher than 86% of U.S. census tracts).
B+ #398 of 701 in Michigan; lower expected damage per building than 74% of U.S. towns (21,298).
Roseville’s residents live in 19 census tracts; FEMA’s figures are combined by where they live.
The typical Michigan town has lower expected damage than 77% of U.S. towns; within the state, Roseville has more expected damage per building than 57% of Michigan towns.
In dollars, FEMA expects about $11.7M a year in losses across Roseville: $7.0M to buildings, the rest to people and crops.
Does Roseville flood? Rarely: 5 flood claims since 2019
Every paid claim on a federal flood insurance policy in Roseville, from FEMA’s records: 0.2 per 1,000 homes, fewer than 97% of the 13,809 U.S. towns with a flood insurance record.
Roseville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Macomb County.6 federal disasters brought FEMA money to Roseville
Disasters that paid out in Roseville itself (aid to households or repair grants to the City of Roseville), newest first, with that year’s flood claims.
- 2023Severe Storms, Tornadoes, and Flooding1,063 households applied for aid$2.2M aid approved1 flood claim paid that year
- 2021Severe Storms, Flooding, and Tornadoes197 households applied for aid$256K aid approved1 flood claim paid that year
- 2014Severe Storms and Flooding541 households applied for aid$656K aid approved$87K to the City of Roseville for repairs
- 2004Severe Storms, Tornadoes, and Flooding67 households applied for aid$24K aid approved
- 2000Snow$25K to the City of Roseville for repairs
- 1999Mi - Severe Weather 1/2 /99$25K to the City of Roseville for repairs
Macomb County has had 14 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Roseville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Roseville archive →Roseville and its neighbors
Roseville 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 |
|---|---|---|---|
| Eastpointe | A−less damage than 79% | river and rain flooding | — |
| Roseville | B+less damage than 74% | river and rain flooding | 5 |
| Warren | B+less damage than 72% | river and rain flooding | 23 |
| Fraser | Bless damage than 65% | river and rain flooding | 5 |
| St. Clair Shores | C+more damage than 60% | river and rain flooding | 278 |
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 Roseville 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.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Roseville
Is Roseville at risk for natural disasters?
On FEMA’s National Risk Index, Roseville has lower expected damage per building than 74% of U.S. towns: B+ for hazard risk, #398 of 701 in Michigan. Most of the expected damage is river and rain flooding (73%) and tornadoes (16%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Roseville flood?
Flood insurance has paid 5 claims in Roseville since 2019, $100K in all, or 0.2 per 1,000 homes, fewer than 97% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Roseville 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 Macomb County, 30% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Roseville?
FEMA’s Community Rating System list shows no discount for Roseville’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 Roseville?
By FEMA money that reached Roseville, Severe Storms, Tornadoes, and Flooding (2023): 1,063 households applied for aid, $2.2M approved.
Is Roseville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (73%), and Roseville’s rate for it is lower than 59% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Roseville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Roseville’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.