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Walter James Lenoir HouseWalter James Lenoir House · Photo: Eddyz9 · CC BY-SA 4.0
–Not graded
Natural hazards in Cedar Rock · FEMA

Storms, floods and disasters in Cedar Rock

Cedar Rock isn’t graded for hazard risk: Cedar Rock has 306 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
3
of 19 declared for Caldwell County
By hazard

What Cedar 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

87%of expected building damage
Above average · higher than 78% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Tornadoes Earthquakes Ice storms Hurricanes Strong wind Hail Wildfire Lightning Winter storms Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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 Cedar Rock flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Cedar 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

Cedar 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: Caldwell County.
Disasters

3 federal disasters brought FEMA money to Cedar Rock

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

  1. 2024Tropical Storm Helene1 households applied for aid$844K to the Village of Cedar Rock for repairs
  2. 2020Tropical Storm Eta$20K to the Village of Cedar Rock for repairs
  3. 2009Severe Winter Storms and Flooding$9K to the Village of Cedar Rock for repairs
Disasters declared, by decade
Paid out in Cedar RockCaldwell County only

Caldwell County has had 19 natural disasters declared by the President since 1953, most often hurricanes and tropical 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 Cedar Rock after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Cedar Rock archive →
Be ready

Get ready for what Cedar 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 ↗
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 Cedar Rock

Is Cedar 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 Caldwell County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.

How much is flood insurance in Cedar Rock?

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

By FEMA money that reached Cedar Rock, Tropical Storm Helene (2024): 1 households applied for aid, $0 approved, and $844K to the Village of Cedar Rock for repairs.

Storm stories

Memories, warnings and help from neighbors in Cedar Rock.

Town Square →
Start the conversation

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