Photo: Good Free Photos · CC BY 3.0On FEMA’s figures, Silver Creek Township faces more hazard damage per building than 63% 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 63% of U.S. towns. Most of that expected damage is river and rain flooding (93%). 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 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
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 93% 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 81% of U.S. census tracts. Winter storms add 2%, at a rate in the top 1% of U.S. census tracts.
C+ higher expected damage per building than 63% of U.S. towns (21,298).
Silver Creek Township’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $1.4M a year in losses across Silver Creek Township: $577K to buildings, the rest to people and crops.
Does Silver Creek Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Silver Creek Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
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: Lake County.The storms Silver Creek Township remembers
None of the 9 disasters declared for Lake County shows FEMA aid or repair money reaching Silver Creek Township itself in FEMA’s records, so these are its biggest flood-claim years.
Lake County has had 9 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.
Silver Creek Township and its neighbors
Silver Creek Township is 2nd of the 2 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 |
|---|---|---|---|
| Two Harbors | A+less damage than 97% | river and rain flooding | 1 |
| Silver Creek Township | C+more damage than 63% | river and rain flooding | 0 |
| Beaver Bay Township | — | 561 residents; we grade 1,000+ | |
| Stony River Township | — | 232 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 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.
- 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 63% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (93%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
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 Lake County, 0.1% 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.
Is Silver Creek Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (93%), and Silver Creek Township’s rate for it is higher than 81% 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.