Less hazard damage per building is expected in Creel Township than in 83% of U.S. towns, led by river and rain flooding
On FEMA’s National Risk Index, Creel Township gets an A− for hazard risk: lower expected damage per building than 83% of U.S. towns. Most of that expected damage is river and rain flooding (36%), then strong wind (18%). Flood insurance has paid 186 claims here since 1995.
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 stands out about Creel Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Creel 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
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 Creel Township’s grade
River and rain flooding is 36% of the building damage FEMA expects in Creel Township, and Creel Township’s rate of river and rain flooding damage is lower than 97% of U.S. census tracts. Strong wind adds 18%, at a rate in the top 2% of U.S. census tracts.
A− lower expected damage per building than 83% of U.S. towns (21,298).
Creel Township’s residents live in 3 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $876K a year in losses across Creel Township: $541K to buildings, the rest to people and crops.
Does Creel Township flood? Yes: 186 flood claims since 1995
Every paid claim on a federal flood insurance policy in Creel Township, from FEMA’s records: 321.2 per 1,000 homes, more than 99% of the 13,809 U.S. towns with a flood insurance record.
- The Late spring storms4 claims · $172K
Creel 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: Ramsey County.The storms Creel Township remembers
None of the 25 disasters declared for Ramsey County shows FEMA aid or repair money reaching Creel Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 199755 flood claims paidThe year of Severe Flooding,severe Winter Storms, Snowmelt, Spring Rains, declared for Ramsey County
- 199625 flood claims paidThe year of Severe Storms,flooding, and Ice Jams, declared for Ramsey County
- 201123 flood claims paidThe year of Flooding, declared for Ramsey County
Ramsey County has had 25 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 Creel Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Creel Township archive →Creel Township and its neighbors
Creel Township 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 |
|---|---|---|---|
| Creel Township | A−less damage than 83% | river and rain flooding | 186 |
| Devils Lake | A−less damage than 81% | river and rain flooding | 38 |
| Mission Township | — | 943 residents; we grade 1,000+ | |
| Poplar Grove Township | — | 261 residents; we grade 1,000+ | |
| South Minnewaukan Township | — | 82 residents; we grade 1,000+ | |
| North Creel Township | — | 434 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 Creel 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.
- 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 Creel Township
Is Creel Township at risk for natural disasters?
On FEMA’s National Risk Index, Creel Township has lower expected damage per building than 83% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (36%) and strong wind (18%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Creel Township flood?
Flood insurance has paid 186 claims in Creel Township since 1995, $15.6M in all, or 321.2 per 1,000 homes, more than 99% of U.S. towns with a flood insurance record. 5 properties have flooded more than once. The most claims came from Late spring storms (4).
Is Creel 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 Ramsey County, 0.5% of all homes carry federal flood insurance.
How much is flood insurance in Creel Township?
FEMA’s Community Rating System list shows no discount for Creel 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 Creel Township?
By flood claims, Late spring storms: 4 paid, $172K.
Is Creel Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (36%), and Creel Township’s rate for it is lower than 97% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Creel Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Creel 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.