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Rock Creek KSPhoto: Dylan Edwards · CC BY 4.0
CHazard risk
Natural hazards in Rock Creek Township · FEMA

On FEMA’s figures, Rock Creek Township faces more hazard damage per building than 67% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Rock Creek Township gets a C for hazard risk: higher expected damage per building than 67% of U.S. towns, #114 of 151 in Kansas. Most of that expected damage is river and rain flooding (81%), then tornadoes (12%). Flood insurance has paid 15 claims here since 1993.

River and rain flooding 81%Tornadoes 12%Strong wind 2%

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

more than 67%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#114 of 151 in Kansas
Hazard risk
C#114 of 151
in Kansas · higher than 67% of U.S. towns
Main hazard
River and rain flooding
81% of expected building damage
Flood claims
15
paid since 1993 · $427K
Disasters paid out here
10
of 15 declared for Jefferson County
By hazard

What Rock 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

81%of expected building damage
Above average · higher than 77% of U.S. census tracts
Recorded about 2 times a year in the area

Tornadoes

12%of expected building damage
Well above average · in the top 9% of U.S. census tracts
Recorded about once every 10 years in the area
Smaller shares here
 Strong wind Wildfire Hail Ice storms Earthquakes Winter storms Lightning Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Rock Creek Township’s grade

River and rain flooding is 81% of the building damage FEMA expects in Rock Creek Township, and Rock Creek Township’s rate of river and rain flooding damage is higher than 77% of U.S. census tracts. Tornadoes add 12%, at a rate in the top 9% of U.S. census tracts.

Where Rock Creek Township sits
Rock Creek Township
Least damageMiddleMost damage

C #114 of 151 in Kansas; higher expected damage per building than 67% of U.S. towns (21,298).

All of Rock Creek Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding81%Tornadoes12%Everything else7%

The typical Kansas town has higher expected damage than 54% of U.S. towns; within the state, Rock Creek Township has more expected damage per building than 75% of Kansas towns.

In dollars, FEMA expects about $1.7M a year in losses across Rock Creek Township: $1.0M to buildings, the rest to people and crops.

Shared tract.All of Rock Creek Township’s 2,801 residents (2020 census) live in one census tract, which it shares with Kaw township (1,390 residents) and Meriden city (744 residents) and Ozawkie city (638 residents) and Grantville CDP (182 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Rock Creek Township flood? Sometimes: 15 flood claims since 1993

Every paid claim on a federal flood insurance policy in Rock Creek Township, from FEMA’s records: 13.9 per 1,000 homes, more than 79% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1993: 1 claim1994: 0 claims1995: 0 claims1996: 0 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 10 claims2006: 0 claims2007: 4 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 0 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims199320052007
19932026
Biggest named events
  • The Midwest Flooding1 claim · $26K
15
paid claims since 1993
$427K
paid to owners
0
homes flooded more than once
$28K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Rock 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: Jefferson County.
Disasters

10 federal disasters brought FEMA money to Rock Creek Township

Disasters that paid out in Rock Creek Township itself (aid to households or repair grants to Rock Creek Township), newest first, with that year’s flood claims.

  1. 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding$38K to Rock Creek Township for repairs
  2. 2013Severe Storms, Straight-line Winds, Tornadoes, and Flooding$27K to Rock Creek Township for repairs
  3. 2010Severe Storms, Flooding, and Tornadoes$14K to Rock Creek Township for repairs
  4. 2009Severe Winter Storms and Snowstorm$12K to Rock Creek Township for repairs
  5. 2009Severe Storms, Flooding, Straight-line Winds, and Tornadoes$42K to Rock Creek Township for repairs
  6. 2008Severe Storms, Flooding, and Tornadoes$30K to Rock Creek Township for repairs
Show all 10
  1. 2008Severe Storms, Flooding and Tornadoes$9K to Rock Creek Township for repairs
  2. 2007Severe Storms and Flooding$25K to Rock Creek Township for repairs4 flood claims paid that year
  3. 2004Severe Storms, Flooding, and Tornadoes$43K to Rock Creek Township for repairs
  4. 2002Severe Winter Ice Storm$3K to Rock Creek Township for repairs
Disasters declared, by decade
Paid out in Rock Creek TownshipJefferson County only

Jefferson County has had 15 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.

Were you here?

Old photos of Rock Creek Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Rock Creek Township archive →
Next door

Rock Creek Township and its neighbors

Rock 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.

Ozawkie Township: hazard risk C−Kaw Township: hazard risk CDelaware Township: hazard risk C+Fairview Township: hazard risk C−Soldier Township: hazard risk B−Ozawkie TownshipKaw TownshipDelaware TownshipFairview TownshipSoldier TownshipRock Creek Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Soldier TownshipB−more damage than 50%river and rain flooding5
Delaware TownshipC+more damage than 59%river and rain flooding—
Kaw TownshipCmore damage than 67%river and rain flooding—
Rock Creek TownshipCmore damage than 67%river and rain flooding15
Ozawkie TownshipC−more damage than 79%river and rain flooding—
Fairview TownshipC−more damage than 82%river and rain flooding20

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.

Be ready

Get ready for what Rock 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.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Rock Creek Township

Is Rock Creek Township at risk for natural disasters?

On FEMA’s National Risk Index, Rock Creek Township has higher expected damage per building than 67% of U.S. towns: C for hazard risk, #114 of 151 in Kansas. Most of the expected damage is river and rain flooding (81%) and tornadoes (12%). 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 Rock Creek Township flood?

Flood insurance has paid 15 claims in Rock Creek Township since 1993, $427K in all, or 13.9 per 1,000 homes, more than 79% of U.S. towns with a flood insurance record. The most claims came from Midwest Flooding (1).

Is Rock 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 Jefferson County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.

How much is flood insurance in Rock Creek Township?

FEMA’s Community Rating System list shows no discount for Rock 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 Rock Creek Township?

By FEMA money that reached Rock Creek Township, Severe Storms, Flooding, and Tornadoes (2004): $43K to Rock Creek Township for repairs. By flood claims, Midwest Flooding: 1 paid, $26K.

Is Rock Creek Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (81%), and Rock Creek Township’s rate for it is higher than 77% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Rock Creek Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Rock 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.