FEMA puts Lostcreek Township’s expected hazard damage per building below that of 80% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Lostcreek Township gets an A− for hazard risk: lower expected damage per building than 80% of U.S. towns. Most of that expected damage is river and rain flooding (72%), then tornadoes (13%). Flood insurance has paid 7 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 Lostcreek 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
Earthquakes
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 Lostcreek Township’s grade
River and rain flooding is 72% of the building damage FEMA expects in Lostcreek Township, and Lostcreek Township’s rate of river and rain flooding damage is lower than 68% of U.S. census tracts. Next is tornadoes at 13% (higher than 75% of U.S. census tracts).
A− lower expected damage per building than 80% of U.S. towns (21,298).
All of Lostcreek Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $507K a year in losses across Lostcreek Township: $404K to buildings, the rest to people and crops.
Does Lostcreek Township flood? Rarely: 7 flood claims since 1995
Every paid claim on a federal flood insurance policy in Lostcreek Township, from FEMA’s records: 11.0 per 1,000 homes, more than 75% of the 13,809 U.S. towns with a flood insurance record.
Lostcreek 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: Miami County.1 federal disaster brought FEMA money to Lostcreek Township
Disasters that paid out in Lostcreek Township itself (aid to households or repair grants to Lostcreek Township), newest first, with that year’s flood claims.
- 2004Snow$947 to Lostcreek Township for repairs
Miami County has had 11 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Lostcreek Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lostcreek Township archive →Lostcreek Township and its neighbors
Lostcreek Township is 3rd 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 |
|---|---|---|---|
| Elizabeth Township | A−less damage than 80% | river and rain flooding | — |
| Brown Township | A−less damage than 80% | river and rain flooding | — |
| Lostcreek Township | A−less damage than 80% | river and rain flooding | 7 |
| Jackson Township | A−less damage than 77% | river and rain flooding | — |
| Staunton Township | Bless damage than 59% | river and rain flooding | 16 |
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 Lostcreek 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Lostcreek Township
Is Lostcreek Township at risk for natural disasters?
On FEMA’s National Risk Index, Lostcreek Township has lower expected damage per building than 80% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (72%) and tornadoes (13%). 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 Lostcreek Township flood?
Flood insurance has paid 7 claims in Lostcreek Township since 1995, $234K in all, or 11.0 per 1,000 homes, more than 75% of U.S. towns with a flood insurance record.
Is Lostcreek 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 Miami County, 24% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Lostcreek Township?
FEMA’s Community Rating System list shows no discount for Lostcreek 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 Lostcreek Township?
By FEMA money that reached Lostcreek Township, Snow (2004): $947 to Lostcreek Township for repairs.
Is Lostcreek Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Lostcreek Township’s rate for it is lower than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Lostcreek Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lostcreek 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.