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Belgiumtown Road housesPhoto: Nyttend · Public domain
B+Hazard risk
Natural hazards in Rose Township · FEMA

Less hazard damage per building is expected in Rose Township than in 66% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Rose Township gets a B+ for hazard risk: lower expected damage per building than 66% of U.S. towns. Most of that expected damage is river and rain flooding (89%). Flood insurance has paid 1 claim here since 1996.

River and rain flooding 89%Hurricanes 4%Tornadoes 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 66%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B+
in Pennsylvania · lower than 66% of U.S. towns
Main hazard
River and rain flooding
89% of expected building damage
Flood claims
1
paid since 1996 · $2K
Flood claims per home
2 per 1,000
fewer than 61% of U.S. towns
By hazard

What Rose Township 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
Above average · higher than 60% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Hurricanes Tornadoes Strong wind Earthquakes Hail Winter storms Ice storms Lightning Wildfire 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.
Hazard risk grade

What’s behind Rose Township’s grade

River and rain flooding is 89% of the building damage FEMA expects in Rose Township, and Rose Township’s rate of river and rain flooding damage is higher than 60% of U.S. census tracts.

Where Rose Township sits
Rose Township
Least damageMiddleMost damage

B+ lower expected damage per building than 66% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding89%Hurricanes4%Tornadoes3%Everything else4%

In dollars, FEMA expects about $326K a year in losses across Rose Township: $276K to buildings, the rest to people and crops.

Shared tract.All of Rose Township’s 1,156 residents (2020 census) live in one census tract, which it shares with Pine Creek township (1,323 residents) and Knox township (1,011 residents) and Union township (844 residents) and Summerville borough (504 residents) and Clover township (432 residents) and Corsica borough (319 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 township’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 Township flood? Rarely: 1 flood claim since 1996

Every paid claim on a federal flood insurance policy in Rose Township, from FEMA’s records: 2.0 per 1,000 homes, fewer than 61% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1996: 1 claim1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 0 claims2007: 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 claims1996
19962026
1
paid claims since 1996
$2K
paid to owners
0
homes flooded more than once
$2K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Jefferson County.
Disasters

The storms Rose Township remembers

None of the 11 disasters declared for Jefferson County shows FEMA aid or repair money reaching Rose Township itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 19961 flood claims paidThe year of Severe Storms, Flooding, and Tornadoes, declared for Jefferson County
Disasters declared, by decade
Paid out in Rose TownshipJefferson County only

Jefferson County has had 11 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.

Were you here?

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

Add to the Rose Township archive →
Next door

Rose Township and its neighbors

Rose Township is 3rd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Knox Township: not gradedBrookville: hazard risk CPine Creek Township: hazard risk B+Eldred Township: hazard risk AClover Township: not gradedUnion Township: not gradedBeaver Township: not gradedKnox TownshipBrookvillePine Creek TownshipEldred TownshipClover TownshipUnion TownshipBeaver TownshipRose Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Eldred TownshipAless damage than 91%river and rain flooding—
Pine Creek TownshipB+less damage than 66%river and rain flooding—
Rose TownshipB+less damage than 66%river and rain flooding1
BrookvilleCmore damage than 65%river and rain flooding34
Knox Township—not graded yet
Clover Township—398 residents; we grade 1,000+
Union Township—882 residents; we grade 1,000+
Beaver Township—495 residents; we grade 1,000+

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 Township 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 Township

Is Rose Township at risk for natural disasters?

On FEMA’s National Risk Index, Rose Township has lower expected damage per building than 66% of U.S. towns: B+ 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 Township flood?

Flood insurance has paid 1 claim in Rose Township since 1996, $2K in all, or 2.0 per 1,000 homes, fewer than 61% of U.S. towns with a flood insurance record.

Is Rose Township 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 Jefferson County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.

How much is flood insurance in Rose Township?

FEMA’s Community Rating System list shows no discount for Rose Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Rose Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (89%), and Rose Township’s rate for it is higher than 60% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Rose Township.

Town Square →
Start the conversation

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