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Wolf Creek BridgeWolf Creek Bridge · Photo: Skye Marthaler · CC BY-SA 3.0
–Not graded
Natural hazards in Rocky Gap · FEMA

Storms, floods and disasters in Rocky Gap

Rocky Gap isn’t graded for hazard risk: Rocky Gap has 7 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
2
of 15 declared for Bland County
By hazard

What Rocky Gap 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

97%of expected building damage
Well above average · in the top 4% of U.S. census tracts
Recorded about once every 1 years in the area
Smaller shares here
 Earthquakes Strong wind Hurricanes Tornadoes Hail Winter storms Landslides top 2% Lightning Wildfire Ice storms Cold waves
FEMA models no building damage here
Coastal floodingHeat wavesAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 31% of Rocky Gap’s expected losses. Cold waves do little damage to buildings (0.0%), 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 Rocky Gap flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Rocky Gap. 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

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

Insurance rates: Bland County.
Disasters

2 federal disasters brought FEMA money to Rocky Gap

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

  1. 2024Tropical Storm Helene24 households applied for aid$53K aid approved
  2. 2003Severe Storms and Flooding22 households applied for aid$47K aid approved
Disasters declared, by decade
Paid out in Rocky GapBland County only

Bland County has had 15 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

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

Add to the Rocky Gap archive →
Be ready

Get ready for what Rocky Gap 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 Rocky Gap

Is Rocky Gap 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 Bland County, 7% of homes in mapped flood zones carry federal flood insurance, and 1.1% of all homes do.

How much is flood insurance in Rocky Gap?

FEMA’s Community Rating System list shows no discount for Rocky Gap’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 Rocky Gap?

By FEMA money that reached Rocky Gap, Tropical Storm Helene (2024): 24 households applied for aid, $53K approved.

Storm stories

Memories, warnings and help from neighbors in Rocky Gap.

Town Square →
Start the conversation

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