Natural hazards · Rockford

Rockford, MO 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. 3 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 60% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding49%Cold waves17%Tornadoes12%Drought6%Heat waves6%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

49% of expected damage

Well above average · higher than 77% of U.S. places

Recorded about once every 2 years in the area

Cold waves

17% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about once every 11 years in the area

Drought

6% of expected damage

Recorded about 16 times a year in the area

Heat waves

6% of expected damage

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

Recorded about 11 times a year in the area

Lower here

HailIce stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightning

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?

FEMA's records show no paid flood insurance claims in Rockford.

of homes in flood zones
are insured

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: Caldwell County.

Disasters that hit Rockford

3 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 Caldwell County only

2021

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

$79K to the Township of Rockford for repairs

2019

Severe Storms, Tornadoes, and Flooding

$57K to the Township of Rockford for repairs

2015

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

$74K to the Township of Rockford for repairs

Caldwell County has had 20 natural disasters declared since 1953, most often severe storms and floods.

Around Rockford

Rockford and the towns around it

Very lowLowModerateHighVery high

Rockfordmostly inland floodingHigh

Grantmostly inland floodingHigh

Mirabilemostly inland floodingHigh

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 is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Rockford’s own flood-insurance community; 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.

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.