Natural hazards · Rock Cave

Rock Cave, WV natural hazards

Most of the natural-hazard damage FEMA expects in Rock Cave comes from inland flooding, and overall the risk is high 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 Rock Cave?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Rock Cave to be higher than in 79% of U.S. communities, mostly from inland flooding.

Inland flooding82%Cold waves7%Everything else11%

By hazard

What Rock Cave faces

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

Inland flooding

82% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about 2 times a year in the area

Cold waves

7% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Cave flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Upshur County.

Disasters that hit Rock Cave

2 federal disasters brought FEMA money here

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

Brought FEMA money into Rock CaveDeclared for Upshur County only

2026

Severe Storm, Straight-Line Winds, Tornadoes, Flooding, Landslides, and Mudslides

2 households applied for aid $19K aid approved

2003

Severe Winter Storm, Record/Near Record Snow, Heavy Rains, Flooding and Landslides

6 households applied for aid $965 aid approved

Upshur County has had 18 natural disasters declared since 1953, most often floods and severe storms.

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