FEMA expects about as much hazard damage per building in Middlecreek Township as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Middlecreek Township gets a C+ for hazard risk: higher expected damage per building than 55% of U.S. towns. Most of that expected damage is river and rain flooding (87%). Flood insurance has paid 16 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 Middlecreek 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 Middlecreek Township’s grade
River and rain flooding is 87% of the building damage FEMA expects in Middlecreek Township, and Middlecreek Township’s rate of river and rain flooding damage is higher than 74% of U.S. census tracts. Next is hurricanes at 5% (higher than 71% of U.S. census tracts).
C+ higher expected damage per building than 55% of U.S. towns (21,298).
All of Middlecreek Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $786K a year in losses across Middlecreek Township: $664K to buildings, the rest to people and crops.
Does Middlecreek Township flood? Sometimes: 16 flood claims since 1996
Every paid claim on a federal flood insurance policy in Middlecreek Township, from FEMA’s records: 20.1 per 1,000 homes, more than 84% of the 13,809 U.S. towns with a flood insurance record.
- Tropical Storm Ivan5 claims · $50K
Middlecreek 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: Snyder County.The storms Middlecreek Township remembers
None of the 13 disasters declared for Snyder County shows FEMA aid or repair money reaching Middlecreek Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20045 flood claims paidThe year of Tropical Depression Ivan, declared for Snyder County
- 19994 flood claims paidThe year of Tropical Depression Dennis Pa, declared for Snyder County
- 20154 flood claims paidNo declaration for the county that year
Snyder County has had 13 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Middlecreek Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Middlecreek Township archive →Middlecreek Township and its neighbors
Middlecreek Township is 6th of the 6 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 |
|---|---|---|---|
| Washington Township | Bless damage than 57% | river and rain flooding | — |
| Center Township | B−less damage than 51% | river and rain flooding | — |
| Franklin Township | B−less damage than 51% | river and rain flooding | 50 |
| Penn Township | C+more damage than 55% | river and rain flooding | — |
| Jackson Township | C+more damage than 55% | river and rain flooding | — |
| Middlecreek Township | C+more damage than 55% | 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 Middlecreek 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 Middlecreek Township
Is Middlecreek Township at risk for natural disasters?
On FEMA’s National Risk Index, Middlecreek Township has higher expected damage per building than 55% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (87%) and hurricanes (5%). 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 Middlecreek Township flood?
Flood insurance has paid 16 claims in Middlecreek Township since 1996, $187K in all, or 20.1 per 1,000 homes, more than 84% of U.S. towns with a flood insurance record. 5 properties have flooded more than once. The most claims came from Tropical Storm Ivan (5).
Is Middlecreek 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 Snyder County, 21% of homes in mapped flood zones carry federal flood insurance, and 1.4% of all homes do.
How much is flood insurance in Middlecreek Township?
FEMA’s Community Rating System list shows no discount for Middlecreek 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 Middlecreek Township?
By flood claims, Tropical Storm Ivan: 5 paid, $50K.
Is Middlecreek Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (87%), and Middlecreek Township’s rate for it is higher than 74% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Middlecreek Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Middlecreek 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.