On FEMA’s figures, Rosenberg faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Rosenberg gets a B− for hazard risk: higher expected damage per building than 53% of U.S. towns, #346 of 642 in Texas. Most of that expected damage is river and rain flooding (60%), then hurricanes (34%). Flood insurance has paid 89 claims here since 1983.
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 stands out about Rosenberg’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Rosenberg 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
Hurricanes
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 Rosenberg’s grade
River and rain flooding is 60% of the building damage FEMA expects in Rosenberg, and Rosenberg’s rate of river and rain flooding damage is lower than 52% of U.S. census tracts. Next is hurricanes at 34% (higher than 88% of U.S. census tracts).
B− #346 of 642 in Texas; higher expected damage per building than 53% of U.S. towns (21,298).
Rosenberg’s residents live in 13 census tracts; FEMA’s figures are combined by where they live.
The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Rosenberg has more expected damage per building than 54% of Texas towns.
In dollars, FEMA expects about $12.6M a year in losses across Rosenberg: $7.7M to buildings, the rest to people and crops.
Does Rosenberg flood? Sometimes: 89 flood claims since 1983
Every paid claim on a federal flood insurance policy in Rosenberg, from FEMA’s records: 5.5 per 1,000 homes, more than 62% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Harvey23 claims · $531K
- The Early summer storms6 claims · $21K
- The Early summer severe storms4 claims · $62K
Rosenberg isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Fort Bend County.9 federal disasters brought FEMA money to Rosenberg
Disasters that paid out in Rosenberg itself (aid to households or repair grants to the City of Rosenberg), newest first, with that year’s flood claims.
- 2024Hurricane Beryl8,575 households applied for aid$6.7M aid approved$405K to the City of Rosenberg for repairs1 flood claim paid for it, $5K
- 2021Severe Winter Storms935 households applied for aid$311K aid approved1 flood claim paid that year
- 2017Hurricane Harvey3,698 households applied for aid$2.4M aid approved$509K to the City of Rosenberg for repairs23 flood claims paid for it, $531K
- 2016Severe Storms and Flooding464 households applied for aid$5.1M aid approved$527K to the City of Rosenberg for repairs
- 2016Severe Storms and Flooding85 households applied for aid$46K aid approved
- 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding66 households applied for aid$229K aid approved10 flood claims paid that year
Show all 9
- 2008Hurricane Ike777 households applied for aid$251K aid approved$372K to the City of Rosenberg for repairs1 flood claim paid that year
- 2005Hurricane Rita101 households applied for aid$22K aid approved$87K to the City of Rosenberg for repairs
- 2005Hurricane Rita$48K to the City of Rosenberg for repairs
Fort Bend County has had 21 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Fort Bend County, 2006–2006.
Old photos of Rosenberg after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Rosenberg archive →Rosenberg and its neighbors
Rosenberg has the lowest expected damage per building of the 3 graded towns here. Tap a town to see its hazards.
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 Rosenberg 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.
- 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.
- 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 Rosenberg
Is Rosenberg at risk for natural disasters?
On FEMA’s National Risk Index, Rosenberg has higher expected damage per building than 53% of U.S. towns: B− for hazard risk, #346 of 642 in Texas. Most of the expected damage is river and rain flooding (60%) and hurricanes (34%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Rosenberg flood?
Flood insurance has paid 89 claims in Rosenberg since 1983, $1.6M in all, or 5.5 per 1,000 homes, more than 62% of U.S. towns with a flood insurance record. 12 properties have flooded more than once. The most claims came from Hurricane Harvey (23).
Is Rosenberg 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 Fort Bend County, 42% of homes in mapped flood zones carry federal flood insurance, and 15.4% of all homes do.
How much is flood insurance in Rosenberg?
FEMA’s Community Rating System list shows no discount for Rosenberg’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 Rosenberg?
By FEMA money that reached Rosenberg, Hurricane Beryl (2024): 8,575 households applied for aid, $6.7M approved, and $405K to the City of Rosenberg for repairs. By flood claims, Hurricane Harvey: 23 paid, $531K.
Is Rosenberg at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (60%), and Rosenberg’s rate for it is lower than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Rosenberg.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Rosenberg’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.