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–Not graded
Natural hazards in Big Rock · FEMA

Storms, floods and disasters in Big Rock

Big Rock isn’t graded for hazard risk: Big Rock has 384 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
2
of 23 declared for Buchanan County
By hazard

What Big Rock 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

94%of expected building damage
Well above average · in the top 9% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Wildfire Earthquakes Strong wind Hurricanes Tornadoes Hail Winter storms Cold waves Landslides top 3% Ice storms Heat waves Lightning Avalanches top 1%
FEMA models no building damage here
Coastal floodingTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 13% of Big Rock’s expected losses. Cold waves do little damage to buildings (0.1%), so they aren’t part of the grade.

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.
Flood insurance claims

Does Big Rock flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Big Rock. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Buchanan County.
Disasters

2 federal disasters brought FEMA money to Big Rock

Disasters that paid out in Big Rock itself (aid to households or repair grants to Big Rock), newest first, with that year’s flood claims.

  1. 2004Severe Storms, Tornadoes, and Flooding1 households applied for aid$230 aid approved
  2. 2003Severe Winter Storm, Record/near Record Snowfall, Heavy Rain,floodind, and Mudslide20 households applied for aid$31K aid approved
Disasters declared, by decade
Paid out in Big RockBuchanan County only

Buchanan County has had 23 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.

Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Buchanan County, 2001–2001.

Were you here?

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

Add to the Big Rock archive →
Be ready

Get ready for what Big Rock 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 Big Rock

Is Big Rock 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 Buchanan County, 8% of homes in mapped flood zones carry federal flood insurance, and 1.5% of all homes do.

How much is flood insurance in Big Rock?

FEMA’s Community Rating System list shows no discount for Big Rock’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 Big Rock?

By FEMA money that reached Big Rock, Severe Winter Storm, Record/near Record Snowfall, Heavy Rain,floodind, and Mudslide (2003): 20 households applied for aid, $31K approved.

Storm stories

Memories, warnings and help from neighbors in Big Rock.

Town Square →
Start the conversation

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