Teske Farmstead · Photo: SharonPapierdreams · CC BY-SA 4.0FEMA expects more hazard damage per building in Mill Creek Township than in 78% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Mill Creek Township gets a C− for hazard risk: higher expected damage per building than 78% of U.S. towns. Most of that expected damage is river and rain flooding (44%), then wildfire (42%). 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 Mill 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
Wildfire
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 Mill Creek Township’s grade
River and rain flooding is 44% of the building damage FEMA expects in Mill Creek Township, and Mill Creek Township’s rate of river and rain flooding damage is higher than 52% of U.S. census tracts. Wildfire adds 42%, at a rate in the top 2% of U.S. census tracts.
C− higher expected damage per building than 78% of U.S. towns (21,298).
All of Mill Creek Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.0M a year in losses across Mill Creek Township: $773K to buildings, the rest to people and crops.
Does Mill Creek Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Mill Creek Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Mill 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: Pottawatomie County.The storms Mill Creek Township remembers
None of the 16 disasters declared for Pottawatomie County shows FEMA aid or repair money reaching Mill Creek Township itself in FEMA’s records, so these are its biggest flood-claim years.
Pottawatomie County has had 16 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.
Mill Creek Township and its neighbors
Mill Creek Township has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Mill Creek Township | C−more damage than 78% | river and rain flooding | 0 |
| Grant Township | — | 413 residents; we grade 1,000+ | |
| Lone Tree Township | — | 313 residents; we grade 1,000+ | |
| Vienna Township | — | 41 residents; we grade 1,000+ | |
| Neuchatel Township | — | 96 residents; we grade 1,000+ | |
| Lincoln Township | — | 77 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 Mill 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Mill Creek Township
Is Mill Creek Township at risk for natural disasters?
On FEMA’s National Risk Index, Mill Creek Township has higher expected damage per building than 78% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (44%) and wildfire (42%). 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.
Is Mill 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 Pottawatomie County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Mill Creek Township?
FEMA’s Community Rating System list shows no discount for Mill Creek Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Mill Creek Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (44%), and Mill Creek Township’s rate for it is higher than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Mill Creek Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Mill 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.