Charles Franks House · Photo: Boscophotos · CC BY-SA 3.0On FEMA’s figures, Rock Creek-Lima Township faces less hazard damage per building than 72% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Rock Creek-Lima Township gets a B+ for hazard risk: lower expected damage per building than 72% of U.S. towns. Most of that expected damage is river and rain flooding (61%), then tornadoes (15%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Rock Creek-Lima Township 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
Tornadoes
Strong wind
Hail
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.
What’s behind Rock Creek-Lima Township’s grade
River and rain flooding is 61% of the building damage FEMA expects in Rock Creek-Lima Township, and Rock Creek-Lima Township’s rate of river and rain flooding damage is lower than 71% of U.S. census tracts. Strong wind adds 13%, at a rate in the top 2% of U.S. census tracts.
B+ lower expected damage per building than 72% of U.S. towns (21,298).
Rock Creek-Lima Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.2M a year in losses across Rock Creek-Lima Township: $776K to buildings, the rest to people and crops.
Does Rock Creek-Lima Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Rock Creek-Lima Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Rock Creek-Lima Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Carroll County.The storms Rock Creek-Lima Township remembers
None of the 13 disasters declared for Carroll County shows FEMA aid or repair money reaching Rock Creek-Lima Township itself in FEMA’s records, so these are its biggest flood-claim years.
Carroll County has had 13 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Rock Creek-Lima Township and its neighbors
Rock Creek-Lima Township is 2nd of the 3 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Cherry Grove-Shannon Township | B+less damage than 73% | river and rain flooding | — |
| Rock Creek-Lima Township | B+less damage than 72% | river and rain flooding | 0 |
| Wysox Township | B+less damage than 68% | river and rain flooding | 1 |
| Elkhorn Grove Township | — | 71 residents; we grade 1,000+ | |
| Brookville Township | — | 156 residents; we grade 1,000+ | |
| Salem Township | — | 333 residents; we grade 1,000+ | |
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.
Get ready for what Rock Creek-Lima Township faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Rock Creek-Lima Township
Is Rock Creek-Lima Township at risk for natural disasters?
On FEMA’s National Risk Index, Rock Creek-Lima Township has lower expected damage per building than 72% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (61%) and tornadoes (15%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Rock Creek-Lima Township 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 Carroll County, 6% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Rock Creek-Lima Township?
FEMA’s Community Rating System list shows no discount for Rock Creek-Lima Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Rock Creek-Lima Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (61%), and Rock Creek-Lima Township’s rate for it is lower than 71% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Rock Creek-Lima Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Rock Creek-Lima Township’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.