Photo: Nyttend · Public domainOn FEMA’s figures, Roseville faces more hazard damage per building than 75% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Roseville gets a C− for hazard risk: higher expected damage per building than 75% of U.S. towns. Most of that expected damage is river and rain flooding (92%). Flood insurance has paid 1 claim here since 2004.
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
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 92% of the building damage FEMA expects in Roseville, and Roseville’s rate of river and rain flooding damage is higher than 87% of U.S. census tracts. Ice storms add 1%, at a rate in the top 9% of U.S. census tracts.
C− higher expected damage per building than 75% of U.S. towns (21,298).
Roseville’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $608K a year in losses across Roseville: $549K to buildings, the rest to people and crops.
Does Roseville flood? Rarely: 1 flood claim since 2004
Every paid claim on a federal flood insurance policy in Roseville, from FEMA’s records: 1.4 per 1,000 homes, fewer than 71% 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: Perry County.4 federal disasters brought FEMA money to Roseville
Disasters that paid out in Roseville itself (aid to households or repair grants to the Village of Roseville), newest first, with that year’s flood claims.
- 2019Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, and Mudslide64 households applied for aid$14K aid approved
- 2004Severe Winter Storms, Flooding, and Mudslides7 households applied for aid$5K aid approved
- 2004Severe Storms and Flooding43 households applied for aid$146K aid approved
- 2004Severe Storms and Flooding1 households applied for aid$7K aid approved
Perry County has had 16 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 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 →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.
- 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 higher expected damage per building than 75% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (92%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Roseville flood?
Flood insurance has paid 1 claim in Roseville since 2004, $21K in all, or 1.4 per 1,000 homes, fewer than 71% of U.S. towns with a flood insurance record.
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 Perry County, 13% of homes in mapped flood zones carry federal flood insurance, and 0.6% 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 and Flooding (2004): 43 households applied for aid, $146K approved.
Is Roseville at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (92%), and Roseville’s rate for it is higher than 87% 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.