Natural hazards · Rock Falls

Rock Falls, WI natural hazards

Most of the natural-hazard damage FEMA expects in Rock Falls comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Rock Falls?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rock Falls to be higher than in 56% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding47%Cold waves40%Tornadoes6%Everything else7%

By hazard

What Rock Falls faces

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

Inland flooding

47% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about once every 3 years in the area

Cold waves

40% of expected damage

Above average · higher than 66% of U.S. places

Recorded about 9 times a year in the area

Tornadoes

6% of expected damage

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

Recorded about once every 27 years in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Rock Falls flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lincoln County.

Disasters that hit Rock Falls

Federal disasters declared here

None of the disasters declared for Lincoln County shows FEMA aid or repair money reaching Rock Falls itself in FEMA’s records.

Brought FEMA money into Rock FallsDeclared for Lincoln County only

Lincoln County has had 7 natural disasters declared since 1953, most often severe storms and floods.

Around Rock Falls

Rock Falls and the towns around it

Very lowLowModerateHighVery high

Hardingmostly inland floodingModerate

Bradleymostly inland floodingModerate

Rock Fallsmostly inland floodingModerate

Birchmostly inland floodingModerate

Merrillmostly inland floodingModerate

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 Falls 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 Rock Falls’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Rock Falls. 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.