On FEMA’s figures, Aurora faces less hazard damage per building than 78% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Aurora gets an A− for hazard risk: lower expected damage per building than 78% of U.S. towns. Most of that expected damage is river and rain flooding (85%), then hail (11%). 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 Aurora 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
Hail
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 Aurora’s grade
River and rain flooding is 85% of the building damage FEMA expects in Aurora, and Aurora’s rate of river and rain flooding damage is lower than 54% of U.S. census tracts. Next is hail at 11% (higher than 89% of U.S. census tracts).
A− lower expected damage per building than 78% of U.S. towns (21,298).
All of Aurora’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $3.8M a year in losses across Aurora: $402K to buildings, the rest to people and crops.
Does Aurora flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Aurora. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Aurora isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Florence County.The storms Aurora remembers
None of the 3 disasters declared for Florence County shows FEMA aid or repair money reaching Aurora itself in FEMA’s records, so these are its biggest flood-claim years.
Florence County has had 3 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.
Aurora and its neighbors
Aurora is 4th of the 4 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 |
|---|---|---|---|
| Florence | Aless damage than 92% | river and rain flooding | — |
| Kingsford | A−less damage than 84% | river and rain flooding | 4 |
| Breitung Township | A−less damage than 82% | river and rain flooding | — |
| Aurora | A−less damage than 78% | river and rain flooding | 0 |
| Homestead | — | 527 residents; we grade 1,000+ | |
| Dunbar | — | 712 residents; we grade 1,000+ | |
| Niagara | — | not graded yet | |
| Commonwealth | — | 512 residents; we grade 1,000+ | |
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 Aurora 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Aurora
Is Aurora at risk for natural disasters?
On FEMA’s National Risk Index, Aurora has lower expected damage per building than 78% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (85%) and hail (11%). 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 Aurora 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 Florence County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Aurora?
FEMA’s Community Rating System list shows no discount for Aurora’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Aurora at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (85%), and Aurora’s rate for it is lower than 54% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Aurora.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Aurora’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.