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AHazard risk
Natural hazards in Rose · FEMA

Less hazard damage per building is expected in Rose than in 90% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Rose gets an A for hazard risk: lower expected damage per building than 90% of U.S. towns. Most of that expected damage is river and rain flooding (89%). Flood insurance has paid 1 claim here since 2006.

River and rain flooding 89%Strong wind 4%Earthquakes 3%

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

less than 90%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A
in New York · lower than 90% of U.S. towns
Main hazard
River and rain flooding
89% of expected building damage
Flood claims
1
paid since 2006 · $4K
Disasters paid out here
3
of 11 declared for Wayne County
By hazard

What Rose 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

89%of expected building damage
Below average · lower than 64% of U.S. census tracts
Recorded about once a year in the area
Smaller shares here
 Strong wind Earthquakes Tornadoes Ice storms Hurricanes Hail Wildfire Winter storms Cold waves Heat waves Landslides Lightning
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts hail at 14% of Rose’s expected losses. Hail does little damage to buildings (0.3%), 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 Rose’s grade

River and rain flooding is 89% of the building damage FEMA expects in Rose, and Rose’s rate of river and rain flooding damage is lower than 64% of U.S. census tracts.

Where Rose sits
Rose
Least damageMiddleMost damage

A lower expected damage per building than 90% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding89%Strong wind4%Everything else7%

In dollars, FEMA expects about $529K a year in losses across Rose: $394K to buildings, the rest to people and crops.

Shared tract.All of Rose’s 2,291 residents (2020 census) live in one census tract, which it shares with Butler town (1,835 residents) and North Rose CDP (571 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. 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 Rose flood? Rarely: 1 flood claim since 2006

Every paid claim on a federal flood insurance policy in Rose, from FEMA’s records: 1.2 per 1,000 homes, fewer than 74% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2006: 1 claim2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2006
20062026
1
paid claims since 2006
$4K
paid to owners
0
homes flooded more than once
$4K
average claim
of all homes are insured
No community discount

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

Insurance rates: Wayne County.
Disasters

3 federal disasters brought FEMA money to Rose

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

  1. 2004Severe Storms and Flooding2 households applied for aid$3K aid approved
  2. 2003Ice Storm10 households applied for aid$12K aid approved$55K to the Town of Rose for repairs
  3. 1999Snow$6K to the Town of Rose for repairs
Disasters declared, by decade
Paid out in RoseWayne County only

Wayne County has had 11 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.

Were you here?

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

Add to the Rose archive →
Next door

Rose and its neighbors

Rose has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.

Lyons: hazard risk C−Huron: hazard risk AGalen: hazard risk BLyonsHuronGalenRose
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
RoseAless damage than 90%river and rain flooding1
HuronAless damage than 88%river and rain flooding54
GalenBless damage than 59%river and rain flooding14
LyonsC−more damage than 76%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.

Be ready

Get ready for what Rose 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 Rose

Is Rose at risk for natural disasters?

On FEMA’s National Risk Index, Rose has lower expected damage per building than 90% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (89%). 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 Rose flood?

Flood insurance has paid 1 claim in Rose since 2006, $4K in all, or 1.2 per 1,000 homes, fewer than 74% of U.S. towns with a flood insurance record.

Is Rose 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, 0.4% of all homes carry federal flood insurance.

How much is flood insurance in Rose?

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

By FEMA money that reached Rose, Ice Storm (2003): 10 households applied for aid, $12K approved, and $55K to the Town of Rose for repairs.

Is Rose at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (89%), and Rose’s rate for it is lower than 64% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Rose.

Town Square →
Start the conversation

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