FEMA expects less hazard damage per building in Rosita than in 95% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Rosita gets an A for hazard risk: lower expected damage per building than 95% of U.S. towns, #19 of 642 in Texas. Most of that expected damage is river and rain flooding (88%). 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 Rosita 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 Rosita’s grade
River and rain flooding is 88% of the building damage FEMA expects in Rosita, and Rosita’s rate of river and rain flooding damage is lower than 72% of U.S. census tracts.
A #19 of 642 in Texas; lower expected damage per building than 95% of U.S. towns (21,298).
Rosita’s residents live in 2 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, Rosita has less expected damage per building than 97% of Texas towns.
In dollars, FEMA expects about $1.1M a year in losses across Rosita: $301K to buildings, the rest to people and crops.
Does Rosita flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Rosita. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Rosita isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Maverick County.1 federal disaster brought FEMA money to Rosita
Disasters that paid out in Rosita itself (aid to households or repair grants to Rosita), newest first, with that year’s flood claims.
- 2021Severe Winter Storms1 households applied for aid$3K aid approved
Maverick County has had 11 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 Rosita after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Rosita archive →Rosita and its neighbors
Rosita is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Eidson Road | A+less damage than 97% | river and rain flooding | — |
| Rosita | Aless damage than 95% | river and rain flooding | 0 |
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 Rosita 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 Rosita
Is Rosita at risk for natural disasters?
On FEMA’s National Risk Index, Rosita has lower expected damage per building than 95% of U.S. towns: A for hazard risk, #19 of 642 in Texas. Most of the expected damage is river and rain flooding (88%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Rosita 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 Maverick County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Rosita?
FEMA’s Community Rating System list shows no discount for Rosita’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 Rosita?
By FEMA money that reached Rosita, Severe Winter Storms (2021): 1 households applied for aid, $3K approved.
Is Rosita at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (88%), and Rosita’s rate for it is lower than 72% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Rosita.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Rosita’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.