Natural hazards · Rock Hill

Rock Hill, MO natural hazards

Most of the natural-hazard damage FEMA expects in Rock Hill comes from heat waves, and overall the risk is moderate for a U.S. community. Flood insurance has paid 118 claims here since 1979. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Rock Hill?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rock Hill to be higher than in 56% of U.S. communities, mostly from heat waves and earthquakes.

Heat waves36%Earthquakes24%Inland flooding24%Cold waves6%Everything else10%

By hazard

What Rock Hill faces

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

Heat waves

36% of expected damage

Above average · higher than 64% of U.S. places

Recorded about 15 times a year in the area

Earthquakes

24% of expected damage

Well above average · higher than 84% of U.S. places

Inland flooding

24% of expected damage

Below average · higher than 49% of U.S. places

Recorded about 3 times a year in the area

Cold waves

6% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Rock Hill flood?

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

118paid claims since 1979

$12.7Mpaid to owners

10homes flooded more than once

19792026

Biggest named events

Hurricane Ike: 19 claims, $2.9M
Midwest Flooding: 8 claims, $726K
Late July Flooding: 8 claims, $1.6M

Homes that flooded again and again

■ FEMA “severe repetitive loss” (5) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: St. Louis County.

Disasters that hit Rock Hill

4 federal disasters brought FEMA money here

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

Brought FEMA money into Rock HillDeclared for St. Louis County only

2022

Severe Storms and Flooding

4 households applied for aid $4K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

1 household applied for aid $2K aid approved

2006

Severe Winter Storms

$8K to the City of Rock Hill for repairs

2006

Severe Storms

$12K to the City of Rock Hill for repairs

St. Louis County has had 29 natural disasters declared since 1953, most often severe storms and floods.

Around Rock Hill

Rock Hill and the towns around it

Very lowLowModerateHighVery high

Brentwoodmostly inland floodingHigh

Laduemostly inland floodingHigh

Webster Grovesmostly heat wavesModerate

Rock Hillmostly heat wavesModerate

Glendalemostly heat wavesModerate

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. Rock Hill covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Rock Hill’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Rock Hill. 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 Rock Hill total about $2.0M 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.