Storms, floods and disasters in Elm Creek Township
Elm Creek Township isn’t graded for hazard risk: Elm Creek Township has 151 residents; we grade towns of 1,000 or more.
What Elm 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
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.
Does Elm Creek Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Elm Creek Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
3 federal disasters brought FEMA money to Elm Creek Township
Disasters that paid out in Elm Creek Township itself (aid to households or repair grants to Elm Creek Township), newest first, with that year’s flood claims.
- 2018Severe Storms, Tornadoes, Straight-line Winds, and Flooding$9K to Elm Creek Township for repairs
- 2014Severe Storms, Straight-line Winds, Flooding, Landslides, and Mudslides$6K to Elm Creek Township for repairs
- 2010Severe Storms and Flooding$19K to Elm Creek Township for repairs
Martin County has had 12 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Elm Creek Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Elm Creek Township archive →Elm Creek Township and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Cedar Township | — | 216 residents; we grade 1,000+ | |
| Fox Lake Township | — | 193 residents; we grade 1,000+ | |
| Jay Township | — | 275 residents; we grade 1,000+ | |
| Enterprise Township | — | 195 residents; we grade 1,000+ | |
| Manyaska Township | — | 334 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 Elm 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.
- 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 Elm Creek Township
Is Elm 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.
How much is flood insurance in Elm Creek Township?
FEMA’s Community Rating System list shows no discount for Elm 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 Elm Creek Township?
By FEMA money that reached Elm Creek Township, Severe Storms and Flooding (2010): $19K to Elm Creek Township for repairs.
Storm stories
Memories, warnings and help from neighbors in Elm Creek Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Elm 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.