Natural hazards · Rosemount

Rosemount, MN natural hazards

Most of the natural-hazard damage FEMA expects in Rosemount comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 3 claims here since 1998. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Rosemount?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rosemount to be higher than in 34% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding42%Tornadoes24%Strong wind14%Cold waves9%Hail6%Everything else4%

By hazard

What Rosemount faces

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

Inland flooding

42% of expected damage

Below average · higher than 35% of U.S. places

Recorded about once a year in the area

Tornadoes

24% of expected damage

Well above average · higher than 86% of U.S. places

Strong wind

14% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 5 times a year in the area

Cold waves

9% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 9 times a year in the area

Hail

6% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 7 times a year in the area

Lower here

Ice stormsWinter weatherHeat 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 Rosemount flood?

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

3paid claims since 1998

$26Kpaid to owners

0homes flooded more than once

19982026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Dakota County.

Disasters that hit Rosemount

2 federal disasters brought FEMA money here

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

Brought FEMA money into RosemountDeclared for Dakota County only

2012

Severe Storms and Flooding

$26K to the City of Rosemount for repairs

2000

Severe Storms and Flooding

$236K to the City of Rosemount for repairs

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

Around Rosemount

Rosemount and the towns around it

Very lowLowModerateHighVery high

Empiremostly inland floodingModerate

Niningermostly inland floodingModerate

Coatesmostly inland floodingModerate

Apple Valleymostly inland floodingLow

Rosemountmostly inland floodingLow

Cottage Grovemostly inland floodingLow

Inver Grove Heightsmostly 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. Rosemount covers 7 census tracts, combined by population.

Money that reached townFlood claims are matched to Rosemount’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Rosemount. 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 Rosemount total about $7.8M 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.