Storms, floods and disasters in Rock Creek Township
Rock Creek Township isn’t graded for hazard risk: Rock Creek Township has 195 residents; we grade towns of 1,000 or more. Flood insurance has paid 105 claims here since 1979.
What Rock Creek 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
Strong wind
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.
Does Rock Creek Township flood? Yes: 105 flood claims since 1979
Every paid claim on a federal flood insurance policy in Rock Creek Township, from FEMA’s records.
- The Mid-spring storms6 claims · $54K
- The Midwest Flooding6 claims · $83K
Rock Creek 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: Hancock County.2 federal disasters brought FEMA money to Rock Creek Township
Disasters that paid out in Rock Creek Township itself (aid to households or repair grants to Rock Creek Township), newest first, with that year’s flood claims.
- 2011Severe Winter Storm and Snowstorm$3K to Rock Creek Township for repairs1 flood claim paid that year
- 2006Snow$1K to Rock Creek Township for repairs
Hancock County has had 16 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Rock Creek Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Rock Creek Township archive →Rock Creek Township and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Sonora Township | — | 438 residents; we grade 1,000+ | |
| Pilot Grove Township | — | 178 residents; we grade 1,000+ | |
| Pontoosuc Township | — | 258 residents; we grade 1,000+ | |
| Prairie Township | — | 382 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 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Township
Does Rock Creek Township flood?
Flood insurance has paid 105 claims in Rock Creek Township since 1979, $1.7M in all. The most claims came from Mid-spring storms (6).
Is Rock Creek 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 Hancock County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Rock Creek Township?
FEMA’s Community Rating System list shows no discount for Rock Creek Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Rock Creek Township?
By FEMA money that reached Rock Creek Township, Severe Winter Storm and Snowstorm (2011): $3K to Rock Creek Township for repairs. By flood claims, Mid-spring storms: 6 paid, $54K.
Storm stories
Memories, warnings and help from neighbors in Rock Creek Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Rock Creek 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.