On FEMA’s figures, Sugar 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, Sugar Creek Township gets a B for hazard risk: lower expected damage per building than 60% of U.S. towns, #303 of 593 in Indiana. Most of that expected damage is river and rain flooding (70%), then earthquakes (14%). Flood insurance has paid 15 claims here since 2002.
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 Sugar 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
Earthquakes
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 Sugar Creek Township’s grade
River and rain flooding is 70% of the building damage FEMA expects in Sugar Creek Township, and Sugar Creek Township’s rate of river and rain flooding damage is lower than 52% of U.S. census tracts. Next is earthquakes at 14% (higher than 79% of U.S. census tracts).
B #303 of 593 in Indiana; lower expected damage per building than 60% of U.S. towns (21,298).
Sugar 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, Sugar Creek Township has more expected damage per building than 51% of Indiana towns.
In dollars, FEMA expects about $2.3M a year in losses across Sugar Creek Township: $1.4M to buildings, the rest to people and crops.
Does Sugar Creek Township flood? Sometimes: 15 flood claims since 2002
Every paid claim on a federal flood insurance policy in Sugar Creek Township, from FEMA’s records: 5.5 per 1,000 homes, more than 62% of the 13,809 U.S. towns with a flood insurance record.
- The Storm9 claims · $468K
- The Mid-spring storms1 claim · $77K
Sugar 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: Vigo County.The storms Sugar Creek Township remembers
None of the 13 disasters declared for Vigo County shows FEMA aid or repair money reaching Sugar Creek Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20089 flood claims paidThe year of Severe Storms, Flooding, and Tornadoes, declared for Vigo County
- 20021 flood claims paidThe year of Severe Storms, Tornadoes and Flooding, declared for Vigo County
- 20051 flood claims paidThe year of Severe Winter Storms and Flooding, declared for Vigo County
Vigo County has had 13 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 Sugar Creek Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Sugar Creek Township archive →Sugar Creek Township and its neighbors
Sugar Creek Township is 2nd of the 7 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 |
|---|---|---|---|
| Prairieton Township | B+less damage than 69% | river and rain flooding | 6 |
| Sugar Creek Township | Bless damage than 60% | river and rain flooding | 15 |
| Honey Creek Township | Bless damage than 56% | river and rain flooding | 26 |
| Wabash Township | Bless damage than 56% | river and rain flooding | — |
| Fayette Township | B−less damage than 55% | river and rain flooding | 57 |
| Terre Haute | Cmore damage than 73% | river and rain flooding | 52 |
| Harrison Township | C−more damage than 76% | river and rain flooding | 26 |
| Elbridge Township | — | 520 residents; we grade 1,000+ | |
| St. Mary of the Woods | — | 959 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 Sugar 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Sugar Creek Township
Is Sugar Creek Township at risk for natural disasters?
On FEMA’s National Risk Index, Sugar Creek Township has lower expected damage per building than 60% of U.S. towns: B for hazard risk, #303 of 593 in Indiana. Most of the expected damage is river and rain flooding (70%) and earthquakes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Sugar Creek Township flood?
Flood insurance has paid 15 claims in Sugar Creek Township since 2002, $638K in all, or 5.5 per 1,000 homes, more than 62% of U.S. towns with a flood insurance record. The most claims came from Storm (9).
Is Sugar 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 Vigo County, 24% of homes in mapped flood zones carry federal flood insurance, and 1.2% of all homes do.
How much is flood insurance in Sugar Creek Township?
FEMA’s Community Rating System list shows no discount for Sugar 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 Sugar Creek Township?
By flood claims, Storm: 9 paid, $468K.
Is Sugar Creek Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (70%), and Sugar Creek Township’s rate for it is lower than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Sugar Creek Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Sugar 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.