On FEMA’s figures, Silver Creek Township faces more hazard damage per building than 69% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Silver Creek Township gets a C for hazard risk: higher expected damage per building than 69% of U.S. towns, #227 of 274 in Minnesota. Most of that expected damage is river and rain flooding (78%). Flood insurance has paid 3 claims here since 1998.
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 Silver 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
Hail
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 Silver Creek Township’s grade
River and rain flooding is 78% of the building damage FEMA expects in Silver Creek Township, and Silver Creek Township’s rate of river and rain flooding damage is higher than 77% of U.S. census tracts. Strong wind adds 7%, at a rate in the top 3% of U.S. census tracts.
C #227 of 274 in Minnesota; higher expected damage per building than 69% of U.S. towns (21,298).
All of Silver Creek Township’s residents live in one census tract; the figures are that tract’s.
The typical Minnesota town has lower expected damage than 57% of U.S. towns; within the state, Silver Creek Township has more expected damage per building than 83% of Minnesota towns.
In dollars, FEMA expects about $1.2M a year in losses across Silver Creek Township: $969K to buildings, the rest to people and crops.
Does Silver Creek Township flood? Rarely: 3 flood claims since 1998
Every paid claim on a federal flood insurance policy in Silver Creek Township, from FEMA’s records: 3.0 per 1,000 homes, fewer than 52% of the 13,809 U.S. towns with a flood insurance record.
Silver 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: Wright County.5 federal disasters brought FEMA money to Silver Creek Township
Disasters that paid out in Silver Creek Township itself (aid to households or repair grants to Silver Creek Township), newest first, with that year’s flood claims.
- 2014Severe Storms, Straight-line Winds, Flooding, Landslides, and Mudslides$5K to Silver Creek Township for repairs
- 2012Severe Storms and Flooding$160K to Silver Creek Township for repairs
- 2002Severe Storms, Flooding and Tornadoes$12K to Silver Creek Township for repairs
- 2001Severe Winter Storms, Flooding, and Tornadoes$11K to Silver Creek Township for repairs
- 1999Severe Storms, Winds, and Flooding$37K to Silver Creek Township for repairs
Wright County has had 14 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 Silver Creek Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Silver Creek Township archive →Silver Creek Township and its neighbors
Silver 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.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Monticello Township | Bless damage than 60% | river and rain flooding | 3 |
| Becker | C+more damage than 59% | river and rain flooding | — |
| Clearwater Township | Cmore damage than 69% | river and rain flooding | — |
| Silver Creek Township | Cmore damage than 69% | river and rain flooding | 3 |
| Corinna Township | Cmore damage than 70% | river and rain flooding | — |
| Clear Lake Township | C−more damage than 76% | river and rain flooding | — |
| Maple Lake Township | — | not graded yet | |
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 Silver 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Silver Creek Township
Is Silver Creek Township at risk for natural disasters?
On FEMA’s National Risk Index, Silver Creek Township has higher expected damage per building than 69% of U.S. towns: C for hazard risk, #227 of 274 in Minnesota. Most of the expected damage is river and rain flooding (78%) and tornadoes (8%). 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 Silver Creek Township flood?
Flood insurance has paid 3 claims in Silver Creek Township since 1998, $34K in all, or 3.0 per 1,000 homes, fewer than 52% of U.S. towns with a flood insurance record.
Is Silver 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 Wright County, 0.2% of all homes carry federal flood insurance.
How much is flood insurance in Silver Creek Township?
FEMA’s Community Rating System list shows no discount for Silver 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 Silver Creek Township?
By FEMA money that reached Silver Creek Township, Severe Storms and Flooding (2012): $160K to Silver Creek Township for repairs.
Is Silver Creek Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Silver Creek Township’s rate for it is higher than 77% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Silver Creek Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Silver 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.