Mudbaden Sulphur Springs Company · Photo: McGhiever · CC BY-SA 4.0More hazard damage per building is expected in Sand Creek Township than in 75% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Sand Creek Township gets a C− for hazard risk: higher expected damage per building than 75% of U.S. towns. Most of that expected damage is river and rain flooding (68%), then strong wind (17%). 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 Sand 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
Strong wind
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 Sand Creek Township’s grade
River and rain flooding is 68% of the building damage FEMA expects in Sand Creek Township, and Sand Creek Township’s rate of river and rain flooding damage is higher than 75% of U.S. census tracts. Strong wind adds 17%, at a rate in the top 1% of U.S. census tracts.
C− higher expected damage per building than 75% of U.S. towns (21,298).
Sand Creek Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.1M a year in losses across Sand Creek Township: $860K to buildings, the rest to people and crops.
Does Sand Creek Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Sand Creek Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Sand 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: Scott County.The storms Sand Creek Township remembers
None of the 12 disasters declared for Scott County shows FEMA aid or repair money reaching Sand Creek Township itself in FEMA’s records, so these are its biggest flood-claim years.
Scott 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.
Sand Creek Township and its neighbors
Sand Creek Township is 4th of the 5 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 |
|---|---|---|---|
| Spring Lake Township | B−more damage than 54% | river and rain flooding | — |
| Louisville Township | C+more damage than 62% | river and rain flooding | — |
| Helena Township | C+more damage than 64% | river and rain flooding | — |
| Sand Creek Township | C−more damage than 75% | river and rain flooding | 0 |
| Jordan | Dmore damage than 91% | river and rain flooding | 10 |
| San Francisco Township | — | 833 residents; we grade 1,000+ | |
| St. Lawrence Township | — | 612 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 Sand 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Sand Creek Township
Is Sand Creek Township at risk for natural disasters?
On FEMA’s National Risk Index, Sand Creek Township has higher expected damage per building than 75% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (68%) and strong wind (17%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Sand 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 Scott County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Sand Creek Township?
FEMA’s Community Rating System list shows no discount for Sand Creek Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Sand Creek Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (68%), and Sand Creek Township’s rate for it is higher than 75% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Sand Creek Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Sand 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.