FEMA expects about as much hazard damage per building in Black Rock as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Black Rock gets a B for hazard risk: lower expected damage per building than 59% of U.S. towns. Most of that expected damage is river and rain flooding (93%). FEMA’s files show no paid flood insurance claims here.
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 Black 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
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 Black Rock’s grade
River and rain flooding is 93% of the building damage FEMA expects in Black Rock, and Black Rock’s rate of river and rain flooding damage is higher than 68% of U.S. census tracts. Landslides add 2%, at a rate in the top 1% of U.S. census tracts.
B lower expected damage per building than 59% of U.S. towns (21,298).
All of Black Rock’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $321K a year in losses across Black Rock: $210K to buildings, the rest to people and crops.
Does Black Rock flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Black Rock. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Black 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: McKinley County.The storms Black Rock remembers
None of the 8 disasters declared for McKinley County shows FEMA aid or repair money reaching Black Rock itself in FEMA’s records, so these are its biggest flood-claim years.
McKinley County has had 8 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.
Black Rock and its neighbors
Black Rock has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Black Rock | Bless damage than 59% | river and rain flooding | 0 |
| Zuni Pueblo | Dmore damage than 92% | river and rain flooding | — |
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 Black 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.
- 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.
- 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 Black Rock
Is Black Rock at risk for natural disasters?
On FEMA’s National Risk Index, Black Rock has lower expected damage per building than 59% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (93%). 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.
Is Black 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 McKinley County, 4% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Black Rock?
FEMA’s Community Rating System list shows no discount for Black Rock’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Black Rock at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (93%), and Black Rock’s rate for it is higher than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Black Rock.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Black 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.