Storms, floods and disasters in Rose City
Rose City isn’t graded for hazard risk: Rose City has 391 residents; we grade towns of 1,000 or more. Flood insurance has paid 84 claims here since 2008.
What Rose City faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hurricanes
River and rain flooding
Tornadoes
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.
Does Rose City flood? Sometimes: 84 flood claims since 2008
Every paid claim on a federal flood insurance policy in Rose City, from FEMA’s records.
- Hurricane Harvey48 claims · $7.6M
- Hurricane Ike25 claims · $1.3M
- Tropical Storm Imelda8 claims · $505K
Rose City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Orange County.5 federal disasters brought FEMA money to Rose City
Disasters that paid out in Rose City itself (aid to households or repair grants to the City of Rose City), newest first, with that year’s flood claims.
- 2024Hurricane Beryl1 households applied for aid$1K aid approved1 flood claim paid that year
- 2019Tropical Storm Imelda1 households applied for aid$4K aid approved8 flood claims paid for it, $505K
- 2017Hurricane Harvey39 households applied for aid$414K aid approved48 flood claims paid for it, $7.6M
- 2008Hurricane Ike2 households applied for aid$185K to the City of Rose City for repairs25 flood claims paid for it, $1.3M
- 2005Hurricane Rita$37K to the City of Rose City for repairs
Orange County has had 24 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Rose City after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Rose City archive →Rose City and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Vidor | Dmore damage than 89% | hurricanes | 1,801 |
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 Rose City faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- 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 Rose City
Does Rose City flood?
Flood insurance has paid 84 claims in Rose City since 2008, $9.4M in all. 23 properties have flooded more than once. The most claims came from Hurricane Harvey (48).
Is Rose City 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 Orange County, 29.8% of all homes carry federal flood insurance.
How much is flood insurance in Rose City?
FEMA’s Community Rating System list shows no discount for Rose City’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 City?
By FEMA money that reached Rose City, Hurricane Harvey (2017): 39 households applied for aid, $414K approved. By flood claims, Hurricane Harvey: 48 paid, $7.6M.
Storm stories
Memories, warnings and help from neighbors in Rose City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Rose City’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.