Photo: Nyttend · Public domainStorms, floods and disasters in Rock Creek
Rock Creek isn’t graded for hazard risk: Rock Creek has 766 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 1990.
What Rock 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
Tornadoes
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 Rock Creek flood? Rarely: 1 flood claim since 1990
Every paid claim on a federal flood insurance policy in Rock Creek, from FEMA’s records.
Rock 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: Ashtabula County.1 federal disaster brought FEMA money to Rock Creek
Disasters that paid out in Rock Creek itself (aid to households or repair grants to the Village of Rock Creek), newest first, with that year’s flood claims.
- 2006Severe Storms, Straight Line Winds, and Flooding28 households applied for aid$52K aid approved
Ashtabula 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 Rock Creek after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Rock Creek archive →Rock 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 |
|---|---|---|---|
| Roaming Shores | A−less damage than 76% | river and rain flooding | 1 |
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 Rock 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.
- 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.
- 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 Rock Creek
Does Rock Creek flood?
Flood insurance has paid 1 claim in Rock Creek since 1990, $426 in all.
Is Rock 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 Ashtabula County, 15% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Rock Creek?
FEMA’s Community Rating System list shows no discount for Rock 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 Rock Creek?
By FEMA money that reached Rock Creek, Severe Storms, Straight Line Winds, and Flooding (2006): 28 households applied for aid, $52K approved.
Storm stories
Memories, warnings and help from neighbors in Rock Creek.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Rock 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.