More hazard damage per building is expected in Rosharon than in 70% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Rosharon gets a C for hazard risk: higher expected damage per building than 70% of U.S. towns. Most of that expected damage is river and rain flooding (58%), then hurricanes (37%). FEMA’s files show no paid flood insurance claims here.
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 Rosharon 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 Rosharon’s grade
River and rain flooding is 58% of the building damage FEMA expects in Rosharon, and Rosharon’s rate of river and rain flooding damage is higher than 61% of U.S. census tracts. Next is hurricanes at 37% (higher than 90% of U.S. census tracts).
C higher expected damage per building than 70% of U.S. towns (21,298).
Rosharon’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $517K a year in losses across Rosharon: $254K to buildings, the rest to people and crops.
Does Rosharon flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Rosharon. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Rosharon isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Brazoria County.9 federal disasters brought FEMA money to Rosharon
Disasters that paid out in Rosharon itself (aid to households or repair grants to Rosharon), newest first, with that year’s flood claims.
- 2024Hurricane Beryl9,946 households applied for aid$11.2M aid approved
- 2021Severe Winter Storms1,011 households applied for aid$455K aid approved
- 2017Hurricane Harvey3,406 households applied for aid$6.9M aid approved
- 2016Severe Storms and Flooding212 households applied for aid$581K aid approved
- 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding70 households applied for aid$156K aid approved
- 2008Hurricane Ike2,078 households applied for aid$1.8M aid approved
Show all 9
- 2005Hurricane Rita444 households applied for aid$137K aid approved
- 2003Hurricane Claudette10 households applied for aid$43K aid approved
- 2002Severe Storms, Tornadoes and Flooding5 households applied for aid$18K aid approved
Brazoria County has had 28 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Rosharon after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Rosharon archive →Rosharon and its neighbors
Rosharon has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Rosharon | Cmore damage than 70% | river and rain flooding | 0 |
| Alvin | C−more damage than 76% | river and rain flooding | 1,418 |
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 Rosharon 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 Rosharon
Is Rosharon at risk for natural disasters?
On FEMA’s National Risk Index, Rosharon has higher expected damage per building than 70% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (58%) and hurricanes (37%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Rosharon 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 Brazoria County, 43% of homes in mapped flood zones carry federal flood insurance, and 22.5% of all homes do.
How much is flood insurance in Rosharon?
FEMA’s Community Rating System list shows no discount for Rosharon’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 Rosharon?
By FEMA money that reached Rosharon, Hurricane Beryl (2024): 9,946 households applied for aid, $11.2M approved.
Is Rosharon at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (58%), and Rosharon’s rate for it is higher than 61% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Rosharon.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Rosharon’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.