For tornadoes, Fall Creek Township’s building-damage rate is in the top 5% of U.S. census tracts
On FEMA’s National Risk Index, Fall Creek Township gets a B− for hazard risk: lower expected damage per building than 52% of U.S. towns, #404 of 593 in Indiana. Most of that expected damage is river and rain flooding (74%), then tornadoes (18%). Flood insurance has paid 13 claims here since 2003.
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 Fall 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
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 Fall Creek Township’s grade
River and rain flooding is 74% of the building damage FEMA expects in Fall Creek Township, and Fall Creek Township’s rate of river and rain flooding damage is higher than 59% of U.S. census tracts. Tornadoes add 18%, at a rate in the top 5% of U.S. census tracts.
B− #404 of 593 in Indiana; lower expected damage per building than 52% of U.S. towns (21,298).
Fall Creek Township’s residents live in 9 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, Fall Creek Township has more expected damage per building than 68% of Indiana towns.
In dollars, FEMA expects about $26.7M a year in losses across Fall Creek Township: $20.8M to buildings, the rest to people and crops.
Does Fall Creek Township flood? Sometimes: 13 flood claims since 2003
Every paid claim on a federal flood insurance policy in Fall Creek Township, from FEMA’s records: 0.5 per 1,000 homes, fewer than 89% of the 13,809 U.S. towns with a flood insurance record.
- The 2026-08-Indiana-Flooding3 claims · $22K
Fall 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: Hamilton County.The storms Fall Creek Township remembers
None of the 17 disasters declared for Hamilton County shows FEMA aid or repair money reaching Fall Creek Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20136 flood claims paidNo declaration for the county that year
- 20263 flood claims paidThe year of Severe Storms, Straight-line Winds, Tornadoes, and Flooding, declared for Hamilton County
- 20031 flood claims paidThe year of Severe Storms, Tornadoes, and Flooding, declared for Hamilton County
Hamilton County has had 17 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 Fall Creek Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Fall Creek Township archive →Fall Creek Township and its neighbors
Fall Creek Township is 9th of the 11 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 |
|---|---|---|---|
| Fortville | A−less damage than 80% | river and rain flooding | 1 |
| Vernon Township | A−less damage than 79% | river and rain flooding | 1 |
| McCordsville | A−less damage than 79% | river and rain flooding | — |
| Lawrence Township | B+less damage than 74% | river and rain flooding | 61 |
| Delaware Township | Bless damage than 65% | river and rain flooding | 35 |
| Green Township | Bless damage than 63% | river and rain flooding | 2 |
| Fishers | Bless damage than 56% | river and rain flooding | 18 |
| Indianapolis | B−less damage than 54% | river and rain flooding | 1,638 |
| Fall Creek Township | B−less damage than 52% | river and rain flooding | 13 |
| Noblesville | B−more damage than 53% | river and rain flooding | 129 |
| Wayne Township | C+more damage than 57% | river and rain flooding | — |
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 Fall 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.
- 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 Fall Creek Township
Is Fall Creek Township at risk for natural disasters?
On FEMA’s National Risk Index, Fall Creek Township has lower expected damage per building than 52% of U.S. towns: B− for hazard risk, #404 of 593 in Indiana. Most of the expected damage is river and rain flooding (74%) and tornadoes (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Fall Creek Township flood?
Flood insurance has paid 13 claims in Fall Creek Township since 2003, $448K in all, or 0.5 per 1,000 homes, fewer than 89% of U.S. towns with a flood insurance record. The most claims came from 2026-08-Indiana-Flooding (3).
Is Fall 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 Hamilton 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 Fall Creek Township?
FEMA’s Community Rating System list shows no discount for Fall 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 Fall Creek Township?
By flood claims, 2026-08-Indiana-Flooding: 3 paid, $22K.
Is Fall Creek Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (74%), and Fall Creek Township’s rate for it is higher than 59% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Fall Creek Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Fall 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.