Photo: stbraun · CC BY-SA 3.0FEMA expects less hazard damage per building in Licking Creek Township than in 90% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Licking Creek Township gets an A for hazard risk: lower expected damage per building than 90% of U.S. towns. Most of that expected damage is river and rain flooding (75%), then hurricanes (15%). Flood insurance has paid 12 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 Licking Creek 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
Hurricanes
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 Licking Creek Township’s grade
River and rain flooding is 75% of the building damage FEMA expects in Licking Creek Township, and Licking Creek Township’s rate of river and rain flooding damage is lower than 75% of U.S. census tracts. Next is hurricanes at 15% (higher than 81% of U.S. census tracts).
A lower expected damage per building than 90% of U.S. towns (21,298).
All of Licking Creek Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $477K a year in losses across Licking Creek Township: $388K to buildings, the rest to people and crops.
Does Licking Creek Township flood? Sometimes: 12 flood claims since 1996
Every paid claim on a federal flood insurance policy in Licking Creek Township, from FEMA’s records: 15.4 per 1,000 homes, more than 80% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Ivan6 claims · $210K
- Hurricane Ida1 claim · $13K
Licking Creek 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: Fulton County.The storms Licking Creek Township remembers
None of the 13 disasters declared for Fulton County shows FEMA aid or repair money reaching Licking Creek Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20046 flood claims paidThe year of Tropical Depression Ivan, declared for Fulton County
- 19965 flood claims paidThe year of Severe Storms and Flooding, declared for Fulton County
- 20211 flood claims paidThe year of Remnants of Hurricane Ida, declared for Fulton County
Fulton County has had 13 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Licking Creek Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Licking Creek Township archive →Licking Creek Township and its neighbors
Licking Creek 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 |
|---|---|---|---|
| Belfast Township | A+less damage than 98% | river and rain flooding | — |
| Taylor Township | Aless damage than 90% | river and rain flooding | — |
| Licking Creek Township | Aless damage than 90% | river and rain flooding | 12 |
| Ayr Township | Aless damage than 89% | river and rain flooding | — |
| Todd Township | Aless damage than 89% | river and rain flooding | 5 |
| Brush Creek Township | — | 628 residents; we grade 1,000+ | |
| Dublin Township | — | not graded yet | |
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 Licking Creek 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.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- 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 Licking Creek Township
Is Licking Creek Township at risk for natural disasters?
On FEMA’s National Risk Index, Licking Creek Township has lower expected damage per building than 90% of U.S. towns: A for hazard risk. Most of the expected damage is river and rain flooding (75%) and hurricanes (15%). 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 Licking Creek Township flood?
Flood insurance has paid 12 claims in Licking Creek Township since 1996, $267K in all, or 15.4 per 1,000 homes, more than 80% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Ivan (6).
Is Licking Creek 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 Fulton County, 17% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Licking Creek Township?
FEMA’s Community Rating System list shows no discount for Licking Creek 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 Licking Creek Township?
By flood claims, Tropical Storm Ivan: 6 paid, $210K.
Is Licking Creek Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (75%), and Licking Creek Township’s rate for it is lower than 75% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Licking Creek Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Licking Creek 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.