Rochester, IN natural hazards
Most of the natural-hazard damage FEMA expects in Rochester comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 19 claims here since 1981. 6 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Rochester?
FEMA expects yearly storm and flood damage to homes and buildings in Rochester to be higher than in 14% of U.S. communities, mostly from inland flooding and tornadoes.
What Rochester faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Inland flooding
Tornadoes
Cold waves
Strong wind
Lower here
Not a risk here
Does Rochester flood?
Every paid claim on a federal flood insurance policy in Rochester, from FEMA’s records.
Homes that flooded again and again
■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times
are insured
are insured
6 federal disasters brought FEMA money here
Disasters the President declared that paid out in Rochester itself: aid to households, or repair grants to the City of Rochester.
Severe Storms and Flooding
Severe Winter Storm and Snowstorm
Severe Storms, Tornadoes, and Flooding
Severe Storms and Flooding
Severe Winter Storms and Flooding
Severe Storms, Tornadoes, and Flooding
How to read this page
FEMA’s expected losses across Rochester total about $1.9M a year, counting buildings, people and crops.
Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.