Photo: M.O. Stevens · Public domainFEMA puts Rockcreek’s expected hazard damage per building above that of 68% of U.S. towns, mostly from earthquakes
On FEMA’s National Risk Index, Rockcreek gets a C for hazard risk: higher expected damage per building than 68% of U.S. towns, #69 of 142 in Oregon. Most of that expected damage is earthquakes (55%), then river and rain flooding (44%). Flood insurance has paid 7 claims here since 1996.
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 Rockcreek faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Earthquakes
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.
What’s behind Rockcreek’s grade
Earthquakes are 55% of the building damage FEMA expects in Rockcreek, and Rockcreek’s rate of earthquakes damage is higher than 89% of U.S. census tracts. Next is river and rain flooding at 44% (lower than 60% of U.S. census tracts).
C #69 of 142 in Oregon; higher expected damage per building than 68% of U.S. towns (21,298).
Rockcreek’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Oregon town has higher expected damage than 69% of U.S. towns; within the state, Rockcreek has less expected damage per building than 52% of Oregon towns.
In dollars, FEMA expects about $4.4M a year in losses across Rockcreek: $2.7M to buildings, the rest to people and crops.
Does Rockcreek flood? Rarely: 7 flood claims since 1996
Every paid claim on a federal flood insurance policy in Rockcreek, from FEMA’s records: 1.8 per 1,000 homes, fewer than 65% of the 13,809 U.S. towns with a flood insurance record.
- The Winter storm1 claim · $26K
Rockcreek isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Washington County.The storms Rockcreek remembers
None of the 11 disasters declared for Washington County shows FEMA aid or repair money reaching Rockcreek itself in FEMA’s records, so these are its biggest flood-claim years.
- 19963 flood claims paidThe year of Severe Storms and High Winds, declared for Washington County
- 20031 flood claims paidNo declaration for the county that year
- 20071 flood claims paidThe year of Severe Storms, Flooding, Landslides, and Mudslides, declared for Washington County
Washington County has had 11 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.
Also 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Washington County, 2020–2024.
Old photos of Rockcreek after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Rockcreek archive →Rockcreek and its neighbors
Rockcreek is 3rd of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
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 Rockcreek faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Rockcreek
Is Rockcreek at risk for natural disasters?
On FEMA’s National Risk Index, Rockcreek has higher expected damage per building than 68% of U.S. towns: C for hazard risk, #69 of 142 in Oregon. Most of the expected damage is earthquakes (55%) and river and rain flooding (44%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Rockcreek flood?
Flood insurance has paid 7 claims in Rockcreek since 1996, $96K in all, or 1.8 per 1,000 homes, fewer than 65% of U.S. towns with a flood insurance record. The most claims came from Winter storm (1).
Is Rockcreek 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 Washington County, 38% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Rockcreek?
FEMA’s Community Rating System list shows no discount for Rockcreek’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 Rockcreek?
By flood claims, Winter storm: 1 paid, $26K.
Is Rockcreek at risk from earthquakes?
It is the largest share of the building damage FEMA expects here (55%), and Rockcreek’s rate for it is higher than 89% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Rockcreek.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Rockcreek’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.