FEMA expects less hazard damage per building in Coal Creek Township than in 96% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Coal Creek Township gets an A+ for hazard risk: lower expected damage per building than 96% of U.S. towns. Most of that expected damage is river and rain flooding (66%), then earthquakes (13%). Flood insurance has paid 1 claim 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 Coal 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
Hail
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 Coal Creek Township’s grade
River and rain flooding is 66% of the building damage FEMA expects in Coal Creek Township, and Coal Creek Township’s rate of river and rain flooding damage is lower than 90% of U.S. census tracts. Next is earthquakes at 13% (higher than 70% of U.S. census tracts).
A+ lower expected damage per building than 96% of U.S. towns (21,298).
All of Coal Creek Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $478K a year in losses across Coal Creek Township: $206K to buildings, the rest to people and crops.
Does Coal Creek Township flood? Rarely: 1 flood claim since 2002
Every paid claim on a federal flood insurance policy in Coal Creek Township, from FEMA’s records: 1.7 per 1,000 homes, fewer than 66% of the 13,809 U.S. towns with a flood insurance record.
Coal 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: Montgomery County.The storms Coal Creek Township remembers
None of the 18 disasters declared for Montgomery County shows FEMA aid or repair money reaching Coal Creek Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20021 flood claims paidThe year of Severe Storms, Tornadoes and Flooding, declared for Montgomery County
Montgomery County has had 18 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 Coal Creek Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Coal Creek Township archive →Coal Creek Township and its neighbors
Coal Creek Township has the lowest expected damage per building of the 4 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Coal Creek Township | A+less damage than 96% | river and rain flooding | 1 |
| Madison Township | Aless damage than 93% | river and rain flooding | — |
| Union Township | A−less damage than 81% | river and rain flooding | 10 |
| Wayne Township | Bless damage than 64% | river and rain flooding | 3 |
| Richland Township | — | 831 residents; we grade 1,000+ | |
| Randolph Township | — | 708 residents; we grade 1,000+ | |
| Jackson Township | — | 626 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 Coal 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.
- 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.
- 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 Coal Creek Township
Is Coal Creek Township at risk for natural disasters?
On FEMA’s National Risk Index, Coal Creek Township has lower expected damage per building than 96% of U.S. towns: A+ for hazard risk. Most of the expected damage is river and rain flooding (66%) and earthquakes (13%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Coal Creek Township flood?
Flood insurance has paid 1 claim in Coal Creek Township since 2002, $3K in all, or 1.7 per 1,000 homes, fewer than 66% of U.S. towns with a flood insurance record.
Is Coal 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 Montgomery County, 17% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Coal Creek Township?
FEMA’s Community Rating System list shows no discount for Coal Creek Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Coal Creek Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (66%), and Coal Creek Township’s rate for it is lower than 90% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Coal Creek Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Coal 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.