Photo: Nyttend · Public domainLess hazard damage per building is expected in Springcreek Township than in 86% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Springcreek Township gets an A for hazard risk: lower expected damage per building than 86% of U.S. towns. Most of that expected damage is river and rain flooding (65%), then tornadoes (14%). Flood insurance has paid 9 claims here since 1990.
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 Springcreek 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 Springcreek Township’s grade
River and rain flooding is 65% of the building damage FEMA expects in Springcreek Township, and Springcreek Township’s rate of river and rain flooding damage is lower than 80% of U.S. census tracts. Next is tornadoes at 14% (higher than 74% of U.S. census tracts).
A lower expected damage per building than 86% of U.S. towns (21,298).
All of Springcreek Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $775K a year in losses across Springcreek Township: $659K to buildings, the rest to people and crops.
Does Springcreek Township flood? Rarely: 9 flood claims since 1990
Every paid claim on a federal flood insurance policy in Springcreek Township, from FEMA’s records: 9.5 per 1,000 homes, more than 73% of the 13,809 U.S. towns with a flood insurance record.
- The Central U.S. April Flooding1 claim · $10K
Springcreek 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 Springcreek Township
Disasters that paid out in Springcreek Township itself (aid to households or repair grants to Springcreek Township), newest first, with that year’s flood claims.
- 2012Severe Storms and Straight-line Winds$10K to Springcreek 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 Springcreek Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Springcreek Township archive →Springcreek Township and its neighbors
Springcreek Township has the lowest expected damage per building of the 6 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Springcreek Township | Aless damage than 86% | river and rain flooding | 9 |
| Washington Township | A−less damage than 82% | river and rain flooding | 3 |
| Brown Township | A−less damage than 80% | river and rain flooding | — |
| Piqua | A−less damage than 76% | river and rain flooding | 5 |
| Staunton Township | Bless damage than 59% | river and rain flooding | 16 |
| Orange Township | C+more damage than 59% | river and rain flooding | — |
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 Springcreek 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 Springcreek Township
Is Springcreek Township at risk for natural disasters?
On FEMA’s National Risk Index, Springcreek Township has lower expected damage per building than 86% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (65%) and tornadoes (14%). 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 Springcreek Township flood?
Flood insurance has paid 9 claims in Springcreek Township since 1990, $110K in all, or 9.5 per 1,000 homes, more than 73% of U.S. towns with a flood insurance record. The most claims came from Central U.S. April Flooding (1).
Is Springcreek 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 Springcreek Township?
FEMA’s Community Rating System list shows no discount for Springcreek 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 Springcreek Township?
By FEMA money that reached Springcreek Township, Severe Storms and Straight-line Winds (2012): $10K to Springcreek Township for repairs. By flood claims, Central U.S. April Flooding: 1 paid, $10K.
Is Springcreek Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (65%), and Springcreek Township’s rate for it is lower than 80% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Springcreek Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Springcreek 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.