Photo: JBC3 · Public domainStorms, floods and disasters in Stony Creek
Stony Creek isn’t graded for hazard risk: Stony Creek has 903 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 2011.
What Stony Creek 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.
Does Stony Creek flood? Rarely: 1 flood claim since 2011
Every paid claim on a federal flood insurance policy in Stony Creek, from FEMA’s records.
Stony Creek isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Warren County.3 federal disasters brought FEMA money to Stony Creek
Disasters that paid out in Stony Creek itself (aid to households or repair grants to the Town of Stony Creek), newest first, with that year’s flood claims.
- 2019Severe Storms, Straight-line Winds, and Flooding$62K to the Town of Stony Creek for repairs
- 2011Hurricane Irene10 households applied for aid$53K aid approved$231K to the Town of Stony Creek for repairs1 flood claim paid that year
- 1999Hurricane Floyd Major Disaster Declarations$6K to the Town of Stony Creek for repairs
Warren County has had 13 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.
Old photos of Stony Creek after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Stony Creek archive →Stony Creek 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 |
|---|---|---|---|
| Warrensburg | C+more damage than 59% | river and rain flooding | 3 |
| Hadley | Cmore damage than 66% | river and rain flooding | 2 |
| Thurman | Cmore damage than 74% | river and rain flooding | 4 |
| Day | — | 843 residents; we grade 1,000+ | |
| Wells | — | 671 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 Stony Creek 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 Stony Creek
Does Stony Creek flood?
Flood insurance has paid 1 claim in Stony Creek since 2011, $2K in all.
Is Stony Creek 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 Warren County, 0.4% of all homes carry federal flood insurance.
How much is flood insurance in Stony Creek?
FEMA’s Community Rating System list shows no discount for Stony Creek’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 Stony Creek?
By FEMA money that reached Stony Creek, Hurricane Irene (2011): 10 households applied for aid, $53K approved, and $231K to the Town of Stony Creek for repairs.
Storm stories
Memories, warnings and help from neighbors in Stony Creek.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Stony Creek’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.