FEMA expects less hazard damage per building in Stony Creek Township than in 62% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Stony Creek Township gets a B for hazard risk: lower expected damage per building than 62% of U.S. towns, #288 of 593 in Indiana. Most of that expected damage is river and rain flooding (76%), then tornadoes (11%). Flood insurance has paid 3 claims here since 1985.
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 Stony 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 Stony Creek Township’s grade
River and rain flooding is 76% of the building damage FEMA expects in Stony Creek Township, and Stony Creek Township’s rate of river and rain flooding damage is higher than 53% of U.S. census tracts. Next is tornadoes at 11% (higher than 78% of U.S. census tracts).
B #288 of 593 in Indiana; lower expected damage per building than 62% of U.S. towns (21,298).
All of Stony Creek Township’s residents live in one census tract; the figures are that tract’s.
The typical Indiana town has lower expected damage than 60% of U.S. towns; within the state, Stony Creek Township has less expected damage per building than 52% of Indiana towns.
In dollars, FEMA expects about $1.1M a year in losses across Stony Creek Township: $868K to buildings, the rest to people and crops.
Does Stony Creek Township flood? Rarely: 3 flood claims since 1985
Every paid claim on a federal flood insurance policy in Stony Creek Township, from FEMA’s records: 1.7 per 1,000 homes, fewer than 65% of the 13,809 U.S. towns with a flood insurance record.
Stony 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: Madison County.The storms Stony Creek Township remembers
None of the 19 disasters declared for Madison County shows FEMA aid or repair money reaching Stony Creek Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19851 flood claims paidNo declaration for the county that year
- 20111 flood claims paidNo declaration for the county that year
- 20141 flood claims paidThe year of Severe Winter Storm and Snowstorm, declared for Madison County
Madison County has had 19 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 Stony Creek Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Stony Creek Township archive →Stony Creek Township and its neighbors
Stony Creek Township is 4th of the 8 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 |
|---|---|---|---|
| Anderson | B+less damage than 71% | river and rain flooding | 70 |
| Green Township | Bless damage than 63% | river and rain flooding | 2 |
| Lapel | Bless damage than 62% | river and rain flooding | — |
| Stony Creek Township | Bless damage than 62% | river and rain flooding | 3 |
| Fall Creek Township | Bless damage than 60% | river and rain flooding | 13 |
| Jackson Township | C+more damage than 55% | river and rain flooding | — |
| Wayne Township | C+more damage than 57% | river and rain flooding | — |
| Pendleton | C+more damage than 61% | river and rain flooding | 10 |
| Anderson Township | — | not graded yet | |
| Fishersburg | — | 190 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 Stony 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 Stony Creek Township
Is Stony Creek Township at risk for natural disasters?
On FEMA’s National Risk Index, Stony Creek Township has lower expected damage per building than 62% of U.S. towns: B for hazard risk, #288 of 593 in Indiana. Most of the expected damage is river and rain flooding (76%) and tornadoes (11%). 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 Stony Creek Township flood?
Flood insurance has paid 3 claims in Stony Creek Township since 1985, $20K in all, or 1.7 per 1,000 homes, fewer than 65% of U.S. towns with a flood insurance record.
Is Stony 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 Madison County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Stony Creek Township?
FEMA’s Community Rating System list shows no discount for Stony Creek Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Stony Creek Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Stony Creek Township’s rate for it is higher than 53% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Stony Creek Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Stony 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.