FEMA expects about as much hazard damage per building in Rockcreek Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Rockcreek Township gets a B− for hazard risk: higher expected damage per building than 53% of U.S. towns. Most of that expected damage is river and rain flooding (77%), then tornadoes (15%). Flood insurance has paid 5 claims here since 1996.
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 Rockcreek 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 Rockcreek Township’s grade
River and rain flooding is 77% of the building damage FEMA expects in Rockcreek Township, and Rockcreek Township’s rate of river and rain flooding damage is higher than 65% of U.S. census tracts. Tornadoes add 15%, at a rate in the top 7% of U.S. census tracts.
B− higher expected damage per building than 53% of U.S. towns (21,298).
All of Rockcreek Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $557K a year in losses across Rockcreek Township: $399K to buildings, the rest to people and crops.
Does Rockcreek Township flood? Rarely: 5 flood claims since 1996
Every paid claim on a federal flood insurance policy in Rockcreek Township, from FEMA’s records: 7.3 per 1,000 homes, more than 68% of the 13,809 U.S. towns with a flood insurance record.
Rockcreek 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: Wells County.The storms Rockcreek Township remembers
None of the 12 disasters declared for Wells County shows FEMA aid or repair money reaching Rockcreek Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19961 flood claims paidNo declaration for the county that year
- 20031 flood claims paidThe year of Severe Storms, Tornadoes, and Flooding, declared for Wells County
- 20131 flood claims paidNo declaration for the county that year
Wells County has had 12 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Rockcreek Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Rockcreek Township archive →Rockcreek Township and its neighbors
Rockcreek Township is 5th 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 |
|---|---|---|---|
| Lancaster Township | Bless damage than 65% | river and rain flooding | 2 |
| Rock Creek Township | Bless damage than 62% | river and rain flooding | — |
| Liberty Township | Bless damage than 58% | river and rain flooding | — |
| Union Township | B−more damage than 53% | river and rain flooding | — |
| Rockcreek Township | B−more damage than 53% | river and rain flooding | 5 |
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 Rockcreek 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 Rockcreek Township
Is Rockcreek Township at risk for natural disasters?
On FEMA’s National Risk Index, Rockcreek Township has higher expected damage per building than 53% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (77%) 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 Rockcreek Township flood?
Flood insurance has paid 5 claims in Rockcreek Township since 1996, $64K in all, or 7.3 per 1,000 homes, more than 68% of U.S. towns with a flood insurance record.
Is Rockcreek 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 Wells County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Rockcreek Township?
FEMA’s Community Rating System list shows no discount for Rockcreek Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Rockcreek Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Rockcreek Township’s rate for it is higher than 65% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Rockcreek Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Rockcreek 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.