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Kingsbury-Doak FarmhouseKingsbury-Doak Farmhouse · Photo: Nyttend · Public domain
B+Hazard risk
Natural hazards in Eagle Creek Township · FEMA

On FEMA’s figures, Eagle Creek 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, Eagle Creek 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 (80%), then tornadoes (15%). Flood insurance has paid 2 claims here since 2008.

River and rain flooding 80%Tornadoes 15%Earthquakes 3%

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

less than 72%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B+
in Indiana · lower than 72% of U.S. towns
Main hazard
River and rain flooding
80% of expected building damage
Flood claims
2
paid since 2008 · $15K
Flood claims per home
2 per 1,000
fewer than 57% of U.S. towns
By hazard

What Eagle 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

80%of expected building damage
About average · lower than 52% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

15%of expected building damage
Well above average · higher than 83% of U.S. census tracts
Smaller shares here
 Earthquakes Strong wind Hail Wildfire Ice storms Lightning Hurricanes Winter 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 20% of Eagle Creek Township’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.
Hazard risk grade

What’s behind Eagle Creek Township’s grade

River and rain flooding is 80% of the building damage FEMA expects in Eagle Creek Township, and Eagle Creek Township’s rate of river and rain flooding damage is lower than 52% of U.S. census tracts. Next is tornadoes at 15% (higher than 83% of U.S. census tracts).

Where Eagle Creek Township sits
Eagle Creek Township
Least damageMiddleMost damage

B+ lower expected damage per building than 72% of U.S. towns (21,298).

All of Eagle Creek Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding80%Tornadoes15%Earthquakes3%Everything else2%

In dollars, FEMA expects about $812K a year in losses across Eagle Creek Township: $522K to buildings, the rest to people and crops.

Shared tract.All of Eagle Creek Township’s 1,719 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Eagle Creek Township flood? Rarely: 2 flood claims since 2008

Every paid claim on a federal flood insurance policy in Eagle Creek Township, from FEMA’s records: 2.4 per 1,000 homes, fewer than 57% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2008: 2 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2008
20082026
Biggest named events
  • Hurricane Ike2 claims · $15K
2
paid claims since 2008
$15K
paid to owners
0
homes flooded more than once
$8K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Eagle 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: Lake County.
Disasters

The storms Eagle Creek Township remembers

None of the 20 disasters declared for Lake County shows FEMA aid or repair money reaching Eagle Creek Township itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20082 flood claims paidThe year of Severe Storms and Flooding, declared for Lake County
Disasters declared, by decade
Paid out in Eagle Creek TownshipLake County only

Lake County has had 20 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.

Were you here?

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

Add to the Eagle Creek Township archive →
Next door

Eagle Creek Township and its neighbors

Eagle Creek Township is 6th of the 7 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Boone Township: hazard risk A−Cedar Creek Township: hazard risk A−Winfield Township: hazard risk A−Lincoln Township: hazard risk B+Shelby: not gradedKeener Township: hazard risk A−Center Township: hazard risk A−Boone TownshipCedar Creek TownshipWinfield TownshipLincoln TownshipShelbyKeener TownshipCenter TownshipEagle Creek Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Center TownshipA−less damage than 81%river and rain flooding15
Boone TownshipA−less damage than 80%river and rain flooding11
Winfield TownshipA−less damage than 79%river and rain flooding—
Keener TownshipA−less damage than 78%river and rain flooding13
Cedar Creek TownshipA−less damage than 76%river and rain flooding56
Eagle Creek TownshipB+less damage than 72%river and rain flooding2
Lincoln TownshipB+less damage than 67%river and rain flooding—
Shelby—164 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.

Be ready

Get ready for what Eagle 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.

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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Eagle Creek Township

Is Eagle Creek Township at risk for natural disasters?

On FEMA’s National Risk Index, Eagle Creek 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 (80%) and tornadoes (15%). 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 Eagle Creek Township flood?

Flood insurance has paid 2 claims in Eagle Creek Township since 2008, $15K in all, or 2.4 per 1,000 homes, fewer than 57% of U.S. towns with a flood insurance record. The most claims came from Hurricane Ike (2).

Is Eagle 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 Lake County, 26% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.

How much is flood insurance in Eagle Creek Township?

FEMA’s Community Rating System list shows no discount for Eagle 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 Eagle Creek Township?

By flood claims, Hurricane Ike: 2 paid, $15K.

Is Eagle Creek Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (80%), and Eagle Creek Township’s rate for it is lower than 52% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Eagle Creek Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Eagle 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.