Natural hazards · Roca

Roca, NE natural hazards

Most of the natural-hazard damage FEMA expects in Roca comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 3 claims here since 2015. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Roca?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Roca to be higher than in 63% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding35%Tornadoes29%Hail11%Strong wind9%Wildfire7%Everything else9%

By hazard

What Roca faces

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

Inland flooding

35% of expected damage

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

Recorded about once a year in the area

Tornadoes

29% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 23 years in the area

Hail

11% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about 8 times a year in the area

Strong wind

9% of expected damage

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

Recorded about 5 times a year in the area

Wildfire

7% of expected damage

Well above average · higher than 95% of U.S. places

Lower here

Ice stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesLightningDrought

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 Roca flood?

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

3paid claims since 2015

$20Kpaid to owners

1homes flooded more than once

20152026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lancaster County.

Disasters that hit Roca

2 federal disasters brought FEMA money here

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

Brought FEMA money into RocaDeclared for Lancaster County only

2008

Severe Storms, Tornadoes, and Flooding

1 household applied for aid

2004

Severe Storms, Tornadoes and Flooding

2 households applied for aid $1K aid approved

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

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. Roca 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 Roca’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Roca. 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.