Clarksburg School · Photo: Tamarisk · CC BY-SA 3.0On FEMA’s figures, few U.S. towns expect less hazard damage per building than Ten Mile Creek, mostly from river and rain flooding
On FEMA’s National Risk Index, Ten Mile Creek gets an A+ for hazard risk: among the lowest expected damage per building of U.S. towns. Most of that expected damage is river and rain flooding (71%), then hurricanes (14%). 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 Ten Mile Creek 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
Hurricanes
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 Ten Mile Creek’s grade
River and rain flooding is 71% of the building damage FEMA expects in Ten Mile Creek, and Ten Mile Creek’s rate of river and rain flooding damage is lower than 94% of U.S. census tracts. Next is hurricanes at 14% (higher than 71% of U.S. census tracts).
A+ among the lowest expected damage per building of U.S. towns (21,298).
Ten Mile Creek’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $150K a year in losses across Ten Mile Creek: $109K to buildings, the rest to people and crops.
Does Ten Mile Creek flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Ten Mile Creek. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Ten Mile Creek isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Montgomery County.The storms Ten Mile Creek remembers
None of the 17 disasters declared for Montgomery County shows FEMA aid or repair money reaching Ten Mile Creek itself in FEMA’s records, so these are its biggest flood-claim years.
Montgomery County has had 17 natural disasters declared by the President since 1953, most often winter storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Ten Mile Creek and its neighbors
Ten Mile Creek has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Ten Mile Creek | A+among the lowest damage | river and rain flooding | 0 |
| Clarksburg | A+less damage than 98% | river and rain flooding | — |
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 Ten Mile Creek 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.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- 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 Ten Mile Creek
Is Ten Mile Creek at risk for natural disasters?
On FEMA’s National Risk Index, Ten Mile Creek has among the lowest expected damage per building of U.S. towns: A+ for hazard risk. Most of the expected damage is river and rain flooding (71%) and hurricanes (14%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Ten Mile Creek 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 Montgomery County, 51% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Ten Mile Creek?
FEMA’s Community Rating System list shows no discount for Ten Mile Creek’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Ten Mile Creek at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (71%), and Ten Mile Creek’s rate for it is lower than 94% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Ten Mile Creek.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Ten Mile Creek’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.