Photo: Nyttend · Public domainFEMA puts Clear Creek Township’s expected hazard damage per building below that of 66% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Clear Creek Township gets a B+ for hazard risk: lower expected damage per building than 66% of U.S. towns, #246 of 593 in Indiana. Most of that expected damage is river and rain flooding (85%). Flood insurance has paid 2 claims here since 2002.
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 Clear 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
Earthquakes
Tornadoes
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 Clear Creek Township’s grade
River and rain flooding is 85% of the building damage FEMA expects in Clear Creek Township, and Clear Creek Township’s rate of river and rain flooding damage is higher than 57% of U.S. census tracts. Next is earthquakes at 6% (higher than 65% of U.S. census tracts).
B+ #246 of 593 in Indiana; lower expected damage per building than 66% of U.S. towns (21,298).
Clear Creek Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical Indiana town has lower expected damage than 60% of U.S. towns; within the state, Clear Creek Township has less expected damage per building than 59% of Indiana towns.
In dollars, FEMA expects about $1.5M a year in losses across Clear Creek Township: $1.1M to buildings, the rest to people and crops.
Does Clear Creek Township flood? Rarely: 2 flood claims since 2002
Every paid claim on a federal flood insurance policy in Clear Creek Township, from FEMA’s records: 0.7 per 1,000 homes, fewer than 84% of the 13,809 U.S. towns with a flood insurance record.
Clear 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: Monroe County.The storms Clear Creek Township remembers
None of the 13 disasters declared for Monroe County shows FEMA aid or repair money reaching Clear Creek Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20021 flood claims paidThe year of Severe Storms and Tornadoes, declared for Monroe County
- 20051 flood claims paidThe year of Severe Winter Storms and Flooding, declared for Monroe County
Monroe County has had 13 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Clear Creek Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Clear Creek Township archive →Clear Creek Township and its neighbors
Clear Creek Township is 3rd of the 5 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 |
|---|---|---|---|
| Salt Creek Township | B+less damage than 71% | river and rain flooding | — |
| Perry Township | B+less damage than 70% | river and rain flooding | 37 |
| Clear Creek Township | B+less damage than 66% | river and rain flooding | 2 |
| Indian Creek Township | B−less damage than 54% | river and rain flooding | 5 |
| Marshall Township | C+more damage than 57% | river and rain flooding | 2 |
| Polk Township | — | 181 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 Clear 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- 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 Clear Creek Township
Is Clear Creek Township at risk for natural disasters?
On FEMA’s National Risk Index, Clear Creek Township has lower expected damage per building than 66% of U.S. towns: B+ for hazard risk, #246 of 593 in Indiana. Most of the expected damage is river and rain flooding (85%) and earthquakes (6%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Clear Creek Township flood?
Flood insurance has paid 2 claims in Clear Creek Township since 2002, $24K in all, or 0.7 per 1,000 homes, fewer than 84% of U.S. towns with a flood insurance record.
Is Clear 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 Monroe County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Clear Creek Township?
FEMA’s Community Rating System list shows no discount for Clear Creek Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Clear Creek Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (85%), and Clear Creek Township’s rate for it is higher than 57% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Clear Creek Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Clear 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.