Natural hazards · Rockwood

Rockwood, MI natural hazards

Most of the natural-hazard damage FEMA expects in Rockwood comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 25 claims here since 1979. 5 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Rockwood?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rockwood to be higher than in 19% of U.S. communities, mostly from inland flooding.

Inland flooding62%Cold waves14%Tornadoes9%Heat waves8%Everything else7%

By hazard

What Rockwood faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

62% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 3 times a year in the area

Cold waves

14% of expected damage

Below average · higher than 31% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

9% of expected damage

Above average · higher than 54% of U.S. places

Heat waves

8% of expected damage

Below average · higher than 36% of U.S. places

Recorded about 4 times a year in the area

Lower here

Coastal floodingHurricanesHailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

DroughtAvalanchesTsunamisVolcanic activity

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 Rockwood flood?

Every paid claim on a federal flood insurance policy in Rockwood, from FEMA’s records.

25paid claims since 1979

$188Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

🏷️ 10% off flood insurance. Rockwood is in FEMA’s Community Rating System (class 8) for its flood-proofing work.

Insurance rates: Wayne County.

Disasters that hit Rockwood

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in Rockwood itself: aid to households, or repair grants to the City of Rockwood.

Brought FEMA money into RockwoodDeclared for Wayne County only

2023

Severe Storms, Tornadoes, and Flooding

187 households applied for aid $491K aid approved

2021

Severe Storms, Flooding, and Tornadoes

13 households applied for aid $4K aid approved

2014

Severe Storms and Flooding

13 households applied for aid $10K aid approved

2004

Severe Storms, Tornadoes, and Flooding

2 households applied for aid $508 aid approved

1999

Mi - Severe Weather 1/2 /99

$2K to the City of Rockwood for repairs

Wayne County has had 14 natural disasters declared since 1953, most often severe storms and floods.

Around Rockwood

Rockwood and the towns around it

Very lowLowModerateHighVery high

South Rockwoodmostly inland floodingModerate

Berlinmostly inland floodingModerate

Flat Rockmostly inland floodingLow

Rockwoodmostly inland floodingVery low

Brownstownmostly inland floodingVery low

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Rockwood covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Rockwood’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Rockwood. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Rockwood total about $751K 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.