Natural hazards · Rockford

Rockford, MN natural hazards

Most of the natural-hazard damage FEMA expects in Rockford comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 9 claims here since 1984. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Rockford?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rockford to be higher than in 79% of U.S. communities, mostly from inland flooding.

Inland flooding73%Tornadoes9%Strong wind7%Everything else10%

By hazard

What Rockford faces

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

Inland flooding

73% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about once a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once every 37 years in the area

Strong wind

7% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 4 times a year in the area

Lower here

HailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Rockford flood?

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

9paid claims since 1984

$50Kpaid to owners

0homes flooded more than once

19842026

Biggest named events

Severe flooding: 1 claim, $1K

of all homes
are insured

No community discount. Rockford isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Wright County.

Disasters that hit Rockford

2 federal disasters brought FEMA money here

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

Brought FEMA money into RockfordDeclared for Wright County only

2002

Severe Storms, Flooding and Tornadoes

$132K to the Township of Rockford for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$39K to the Township of Rockford for repairs

Wright County has had 15 natural disasters declared since 1953, most often floods and severe storms.

Around Rockford

Rockford and the towns around it

Very lowLowModerateHighVery high

Rockfordmostly inland floodingHigh

Franklinmostly inland floodingHigh

Hanovermostly inland floodingModerate

Marysvillemostly inland floodingModerate

St. Michaelmostly inland floodingLow

Buffalomostly inland floodingLow

Greenfieldmostly inland floodingLow

Buffalomostly inland floodingLow

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. Rockford covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Rockford’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Rockford. 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 Rockford total about $4.2M 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.