Rock County, Nebraska
Natural disaster risk, federal disaster history and flood insurance facts.
Rock County, Nebraska has a very low overall risk from natural hazards in FEMA's National Risk Index. Its risk score is lower than 99% of US counties. It ranks 85th of 93 counties in Nebraska. The costliest hazards here are inland flooding, cold waves and tornadoes. FEMA estimates about $1.3 million a year in expected losses, or roughly $1,014 per resident. Since 2001 it has been included in 12 federal disaster or emergency declarations for natural events (11 major disasters). The most recent was in March 2019 (severe winter storm, straight-line winds and flooding). Only 1 home here carries federal flood insurance.
FEMA National Risk Index December 2025; OpenFEMA declarations to Nov 6, 2026; NFIP records. Updated November 6, 2026.
Top risks in Rock County
- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
- Insulate pipes in outside walls, crawl spaces and garages.
- Know how to shut off the main water valve.
- Pick a shelter spot: a basement, or an inside room on the lowest floor with no windows.
- Turn on emergency alerts on your phone and keep a weather radio.
All 18 hazards
What the ratings mean ›| Hazard | Rating | Score | Expected loss a year | |
|---|---|---|---|---|
| Inland flooding | 1.1 | $315K | ||
| Cold wave | 16.7 | $237K | ||
| Tornado | 13.4 | $153K | ||
| Wildfire | 62.4 | $135K | ||
| Hail | 25.9 | $131K | ||
| Drought | 42.6 | $117K | ||
| Strong wind | 9.9 | $97K | ||
| Winter weather | 24.6 | $31K | ||
| Lightning | 4.5 | $20K | ||
| Ice storm | 18.3 | $19K | ||
| Heat wave | 8.1 | $17K | ||
| Earthquake | 5.7 | $8K | ||
| Landslide | 4.5 | $8 |
Scores are percentiles: a score of 90 means higher risk than about 90% of US counties for that hazard. Hazards FEMA does not rate here are left out. Social vulnerability is very low and community resilience is relatively low in FEMA's measures.
Federal disaster history
Recent disasters nationwide ›Declarations by decade
Federal declarations for natural events that included Rock County. 2020s bar runs to November 2026.
By type
Most recent
Show all 12
Nebraska also had 14 statewide declarations that did not name single counties.
Storm history since 1956
Tornado risk by county ›The National Weather Service has logged 358 storm reports in Rock County since 1956 and about $4.5 million in reported damage. The strongest on record here was an F4 tornado on October 29, 1956.
Strongest tornadoes
| Date | Strength | Near | Hurt / killed |
|---|---|---|---|
| Oct 29, 1956 | F4 | – | 0 / 0 |
| Jun 24, 2009 | EF2 | Newport | 0 / 0 |
| Jun 5, 2008 | EF2 | Rose | 0 / 0 |
| Jul 7, 1979 | F2 | – | 0 / 0 |
| May 8, 1965 | F2 | – | 0 / 0 |
Most damaging storms
| Date | Type | Near | Damage |
|---|---|---|---|
| Jun 5, 1999 | Tornado | Bassett | $750K |
| Jul 16, 2001 | Flash Flood | Newport | $350K |
| Oct 29, 1956 | Tornado | – | $250K |
| Jun 16, 1992 | Tornado | – | $250K |
| Jun 3, 2014 | Thunderstorm Wind | Bassett | $250K |
| Jun 3, 2014 | Thunderstorm Wind | Bassett | $250K |
Source: NOAA Storm Events Database, county-based reports through Jul 1, 2026. Tornado records start in 1950, hail and wind in 1955, and floods and other storm types in 1996, so older decades undercount. Damage is in dollars of the year it happened and is often an estimate. Winter storms, heat and hurricanes are logged by forecast zone, not county, so they are not counted here.
Flood insurance in Rock County
Check your address flood zone ›National Flood Insurance Program (NFIP) records only; private flood policies are not included. Home counts as of Aug 3, 2026. Since 2021 NFIP prices each home separately under Risk Rating 2.0, so your price depends on the building, not the county. Ask an agent for a quote.
Homes in Rock County
Older homes and mobile homes usually suffer more damage in storms, floods and earthquakes, and can cost more to insure. If you are buying, ask about roof age, foundation bolting and any retrofits. Source: US Census Bureau, American Community Survey 2020 to 2024 5-year estimates; 809 housing units.
Compare in Nebraska
All 93 ›| Largest counties | Overall risk | Top hazard |
|---|---|---|
| Douglas County | Inland flooding | |
| Lancaster County | Tornado | |
| Sarpy County | Tornado | |
| Hall County | Inland flooding | |
| Buffalo County | Hail | |
| Dodge County | Inland flooding | |
| Scotts Bluff County | Hail | |
| Madison County | Inland flooding |
Neighboring counties
| County | Overall risk | Declarations |
|---|---|---|
| Holt County | 14 | |
| Brown County | 9 | |
| Boyd County | 16 | |
| Keya Paha County | 11 | |
| Loup County | 12 |
Common questions about Rock County
What is the biggest natural hazard in Rock County?
Inland flooding has the highest expected yearly losses in Rock County, about $315,362 a year in FEMA's estimate. Cold wave is second at $236,882.
How many federal disasters has Rock County had?
Rock County has been included in 12 federal disaster or emergency declarations for natural events since 2001, including 11 major disasters. The most recent was Severe Winter Storm, Straight-Line Winds, and Flooding in March 2019.
Is Rock County a high-risk place to live?
Its overall rating is Very Low, 85th highest of 93 in Nebraska. A county rating covers the whole area. Risk at one address can be much higher or lower, so check the FEMA flood map and ask about the home's history.
Do I need flood insurance in Rock County?
Standard home insurance does not cover flooding. About 1 in 1000 homes in Rock County has federal flood insurance. Lenders require it in mapped high-risk zones, but many flood claims come from outside those zones.
How many tornadoes has Rock County had?
NOAA records list 18 tornadoes in Rock County since 1950. The strongest was an F4 tornado on October 29, 1956. The weather service has also logged 265 hail reports and 7 floods here.
Sources: FEMA National Risk Index (December 2025), OpenFEMA Disaster Declarations Summaries, and NFIP policy and claims data. Hazard Compass is independent and not affiliated with FEMA. These figures describe the whole county, not a single property, and are not insurance or safety advice. Report a problem.