–Not graded

Natural hazards in Old Mill Creek · FEMA

Storms, floods and disasters in Old Mill Creek

Old Mill Creek isn’t graded for hazard risk: Old Mill Creek has 143 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 1982.

Flood claims

paid since 1982 · $7K

Disasters paid out here

of 14 declared for Lake County

By hazard

What Old Mill Creek faces

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

River and rain flooding

82%of expected building damage

Below average · lower than 66% of U.S. census tracts

Recorded about 2 times a year in the area

Tornadoes

14%of expected building damage

Above average · higher than 72% of U.S. census tracts

Smaller shares here

Hail Earthquakes Strong wind Lightning Wildfire Hurricanes Winter storms Ice storms Cold waves Heat waves Landslides

FEMA models no building damage here

Coastal floodingAvalanchesTsunamisVolcanic activity

People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 18% of Old Mill Creek’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

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 Old Mill Creek flood? Rarely: 1 flood claim since 1982

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

Paid flood claims, by year

1982

19822026

paid claims since 1982

$7K

paid to owners

homes flooded more than once

$7K

average claim

of homes in flood zones are insured

of all homes are insured

No community discount

Old Mill Creek isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Lake County.

Disasters

The storms Old Mill Creek remembers

None of the 14 disasters declared for Lake County shows FEMA aid or repair money reaching Old Mill Creek itself in FEMA’s records, so these are its biggest flood-claim years.

19821 flood claims paidNo declaration for the county that year

Disasters declared, by decade

Paid out in Old Mill CreekLake County only

Lake County has had 14 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

Old photos of Old Mill Creek after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Old Mill Creek archive →

Next door

Old Mill Creek and its neighbors

How expected damage per building compares across the town line. Tap a town to see its hazards.

LindenhurstGrandwood ParkNewport TownshipWarren TownshipOld Mill Creek

Lowest fifthSecondMiddleFourthHighest fifth

Town	Hazard risk	Mostly (buildings)	Flood claims
Newport Township	Aless damage than 92%	river and rain flooding	13
Warren Township	Aless damage than 85%	river and rain flooding	99
Lindenhurst	B⁺less damage than 73%	river and rain flooding	10
Grandwood Park	B⁻more damage than 53%	river and rain flooding	—

Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.

Be ready

Get ready for what Old Mill Creek faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises

Turn around at flooded roads: a foot of moving water can carry off a car.
Flood insurance usually takes 30 days to start, so buy it before the forecast.
Keep papers and medicines up high, in a grab-and-go bag.

Questions about natural hazards in Old Mill Creek

Does Old Mill Creek flood?

Flood insurance has paid 1 claim in Old Mill Creek since 1982, $7K in all.

Is Old Mill Creek in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Lake County, 24% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.

How much is flood insurance in Old Mill Creek?

FEMA’s Community Rating System list shows no discount for Old Mill Creek’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Storm stories

Memories, warnings and help from neighbors in Old Mill Creek.

Town Square →

Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Old Mill Creek’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.

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