Photo: Southeast Region-Department of Natural Resources · Public domainOn FEMA’s figures, Royal City faces less hazard damage per building than 77% of U.S. towns, led by wildfire
On FEMA’s National Risk Index, Royal City gets an A− for hazard risk: lower expected damage per building than 77% of U.S. towns. Most of that expected damage is wildfire (48%), then river and rain flooding (34%). 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 stands out about Royal City’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Royal City faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Wildfire
River and rain flooding
Earthquakes
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 Royal City’s grade
Wildfire is 48% of the building damage FEMA expects in Royal City, and Royal City’s rate of wildfire damage is in the top 2% of U.S. census tracts. Next is river and rain flooding at 34% (lower than 96% of U.S. census tracts).
A− lower expected damage per building than 77% of U.S. towns (21,298).
All of Royal City’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $633K a year in losses across Royal City: $411K to buildings, the rest to people and crops.
Does Royal City flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Royal City. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Royal City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Grant County.1 federal disaster brought FEMA money to Royal City
Disasters that paid out in Royal City itself (aid to households or repair grants to the City of Royal City), newest first, with that year’s flood claims.
- 2006Severe Winter Storm, Landslides, and Mudslides$78K to the City of Royal City for repairs
Grant County has had 5 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 4 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Grant County, 2012–2023.
Old photos of Royal City after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Royal City archive →Get ready for what Royal City faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Royal City
Is Royal City at risk for natural disasters?
On FEMA’s National Risk Index, Royal City has lower expected damage per building than 77% of U.S. towns: A− for hazard risk. Most of the expected damage is wildfire (48%) and river and rain flooding (34%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Royal City 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 Grant County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Royal City?
FEMA’s Community Rating System list shows no discount for Royal City’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 Royal City?
By FEMA money that reached Royal City, Severe Winter Storm, Landslides, and Mudslides (2006): $78K to the City of Royal City for repairs.
Is Royal City at risk from wildfire?
It is the largest share of the building damage FEMA expects here (48%), and Royal City’s rate for it is in the top 2% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Royal City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Royal City’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.