Storms, floods and disasters in Lone Rock
Lone Rock isn’t graded for hazard risk: Lone Rock has 734 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 2008.
What Lone 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
Hail
Tornadoes
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.
Does Lone Rock flood? Rarely: 1 flood claim since 2008
Every paid claim on a federal flood insurance policy in Lone Rock, from FEMA’s records.
Lone 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: Richland County.3 federal disasters brought FEMA money to Lone Rock
Disasters that paid out in Lone Rock itself (aid to households or repair grants to the Village of Lone Rock), newest first, with that year’s flood claims.
- 2008Severe Storms, Tornadoes, and Flooding194 households applied for aid$563K aid approved$107K to the Village of Lone Rock for repairs1 flood claim paid that year
- 2007Severe Storms and Flooding19 households applied for aid$14K aid approved
- 2004Severe Storms and Flooding1 households applied for aid$613 aid approved
Richland County has had 16 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 Lone Rock after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lone Rock archive →Lone Rock and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Buena Vista | Cmore damage than 75% | river and rain flooding | — |
| Spring Green | — | not graded yet | |
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 Lone 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.
- 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- 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 Lone Rock
Does Lone Rock flood?
Flood insurance has paid 1 claim in Lone Rock since 2008, $5K in all.
Is Lone 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 Richland County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Lone Rock?
FEMA’s Community Rating System list shows no discount for Lone 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 Lone Rock?
By FEMA money that reached Lone Rock, Severe Storms, Tornadoes, and Flooding (2008): 194 households applied for aid, $563K approved, and $107K to the Village of Lone Rock for repairs.
Storm stories
Memories, warnings and help from neighbors in Lone Rock.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lone 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.