On FEMA’s figures, Middle 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, Middle Creek Township gets a B− for hazard risk: higher expected damage per building than 51% of U.S. towns. Most of that expected damage is river and rain flooding (69%), then tornadoes (12%). FEMA’s files show no paid flood insurance claims here.
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 Middle 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
Hail
Strong wind
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 Middle Creek Township’s grade
River and rain flooding is 69% of the building damage FEMA expects in Middle Creek Township, and Middle Creek Township’s rate of river and rain flooding damage is higher than 56% of U.S. census tracts. Hail adds 11%, at a rate in the top 8% of U.S. census tracts.
B− higher expected damage per building than 51% of U.S. towns (21,298).
Middle Creek Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $996K a year in losses across Middle Creek Township: $559K to buildings, the rest to people and crops.
Does Middle Creek Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Middle Creek Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Middle 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: Miami County.The storms Middle Creek Township remembers
None of the 12 disasters declared for Miami County shows FEMA aid or repair money reaching Middle Creek Township itself in FEMA’s records, so these are its biggest flood-claim years.
Miami County has had 12 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.
Middle Creek Township and its neighbors
Middle Creek Township is 4th of the 6 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 |
|---|---|---|---|
| Louisburg | Bless damage than 60% | river and rain flooding | — |
| Wea Township | B−less damage than 54% | river and rain flooding | 1 |
| Ten Mile Township | B−less damage than 52% | river and rain flooding | — |
| Middle Creek Township | B−more damage than 51% | river and rain flooding | 0 |
| Paola Township | C+more damage than 58% | river and rain flooding | — |
| Valley Township | C+more damage than 61% | river and rain flooding | 8 |
| Sugar Creek Township | — | 383 residents; we grade 1,000+ | |
| Miami Township | — | 878 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 Middle 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Middle Creek Township
Is Middle Creek Township at risk for natural disasters?
On FEMA’s National Risk Index, Middle Creek Township has higher expected damage per building than 51% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (69%) and tornadoes (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Middle 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 Miami County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Middle Creek Township?
FEMA’s Community Rating System list shows no discount for Middle Creek Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Middle Creek Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (69%), and Middle Creek Township’s rate for it is higher than 56% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Middle Creek Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Middle 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.