Natural hazards · Rockford

Rockford, OH natural hazards

Most of the natural-hazard damage FEMA expects in Rockford comes from inland flooding, and overall the risk is moderate for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Rockford?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rockford to be higher than in 41% of U.S. communities, mostly from inland flooding.

Inland flooding65%Tornadoes14%Earthquakes8%Everything else14%

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

65% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

14% of expected damage

Well above average · higher than 89% of U.S. places

Recorded about once every 17 years in the area

Earthquakes

8% of expected damage

Above average · higher than 72% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong 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 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: Mercer 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 Village of Rockford.

Brought FEMA money into RockfordDeclared for Mercer County only

2024

Tornadoes

1 household applied for aid

2003

Severe Storms and Flooding

32 households applied for aid $63K aid approved

Mercer County has had 12 natural disasters declared since 1953, most often severe storms and tornadoes.

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 Village 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.

Rockford, OH natural hazards

How exposed is Rockford?

What Rockford faces

Inland flooding

Tornadoes

Earthquakes

Lower here

Not a risk here

Does Rockford flood?

2 federal disasters brought FEMA money here

Tornadoes

Severe Storms and Flooding

How to read this page

Where to, neighbor?

Matches

Nearby