On FEMA’s figures, Silver Creek Township faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Silver Creek Township gets a B− for hazard risk: higher expected damage per building than 51% of U.S. towns, #423 of 593 in Indiana. Most of that expected damage is river and rain flooding (71%), then tornadoes (14%). Flood insurance has paid 41 claims here since 1978.
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 Silver 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
Earthquakes
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 Silver Creek Township’s grade
River and rain flooding is 71% of the building damage FEMA expects in Silver Creek Township, and Silver Creek Township’s rate of river and rain flooding damage is higher than 58% of U.S. census tracts. Tornadoes add 14%, at a rate in the top 9% of U.S. census tracts.
B− #423 of 593 in Indiana; higher expected damage per building than 51% of U.S. towns (21,298).
Silver 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, Silver Creek Township has more expected damage per building than 71% of Indiana towns.
In dollars, FEMA expects about $5.6M a year in losses across Silver Creek Township: $3.0M to buildings, the rest to people and crops.
Does Silver Creek Township flood? Sometimes: 41 flood claims since 1978
Every paid claim on a federal flood insurance policy in Silver Creek Township, from FEMA’s records: 6.8 per 1,000 homes, more than 66% of the 13,809 U.S. towns with a flood insurance record.
- The Mid-spring storms3 claims · $27K
- The March storm1 claim · $18K
Silver 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: Clark County.The storms Silver Creek Township remembers
None of the 17 disasters declared for Clark County shows FEMA aid or repair money reaching Silver Creek Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 199710 flood claims paidThe year of Severe Storms and Flooding, declared for Clark County
- 20004 flood claims paidNo declaration for the county that year
- 20064 flood claims paidNo declaration for the county that year
Clark County has had 17 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Silver Creek Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Silver Creek Township archive →Silver Creek Township and its neighbors
Silver Creek Township is 3rd of the 10 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 |
|---|---|---|---|
| Charlestown Township | Bless damage than 58% | river and rain flooding | 64 |
| Utica Township | B−less damage than 50% | river and rain flooding | 61 |
| Silver Creek Township | B−more damage than 51% | river and rain flooding | 41 |
| Sellersburg | B−more damage than 55% | river and rain flooding | 12 |
| Clarksville | C+more damage than 58% | river and rain flooding | 39 |
| New Albany Township | C+more damage than 64% | river and rain flooding | 119 |
| Jeffersonville | C+more damage than 65% | river and rain flooding | 144 |
| Jeffersonville Township | C+more damage than 65% | river and rain flooding | 275 |
| Carr Township | Cmore damage than 70% | river and rain flooding | — |
| Union Township | Cmore damage than 71% | 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 Silver 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Silver Creek Township
Is Silver Creek Township at risk for natural disasters?
On FEMA’s National Risk Index, Silver Creek Township has higher expected damage per building than 51% of U.S. towns: B− for hazard risk, #423 of 593 in Indiana. Most of the expected damage is river and rain flooding (71%) and tornadoes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Silver Creek Township flood?
Flood insurance has paid 41 claims in Silver Creek Township since 1978, $585K in all, or 6.8 per 1,000 homes, more than 66% of U.S. towns with a flood insurance record. The most claims came from Mid-spring storms (3).
Is Silver 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 Clark County, 20% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.
How much is flood insurance in Silver Creek Township?
FEMA’s Community Rating System list shows no discount for Silver 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 Silver Creek Township?
By flood claims, Mid-spring storms: 3 paid, $27K.
Is Silver Creek Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (71%), and Silver Creek Township’s rate for it is higher than 58% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Silver Creek Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Silver 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.