Photo: Mr. Matté (if there is an issue with this image, contact me using this image's Commons talk page, my Commons user talk page, or my English Wikipedia user talk page; I'll know about it a lot faster) · CC BY-SA 4.0On FEMA’s figures, Oil Creek Township faces more hazard damage per building than 68% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Oil Creek Township gets a C for hazard risk: higher expected damage per building than 68% of U.S. towns. Most of that expected damage is river and rain flooding (94%). Flood insurance has paid 14 claims here since 1979.
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 Oil 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
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 Oil Creek Township’s grade
River and rain flooding is 94% of the building damage FEMA expects in Oil Creek Township, and Oil Creek Township’s rate of river and rain flooding damage is higher than 84% of U.S. census tracts.
C higher expected damage per building than 68% of U.S. towns (21,298).
All of Oil Creek Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $888K a year in losses across Oil Creek Township: $829K to buildings, the rest to people and crops.
Does Oil Creek Township flood? Sometimes: 14 flood claims since 1979
Every paid claim on a federal flood insurance policy in Oil Creek Township, from FEMA’s records: 16.2 per 1,000 homes, more than 81% of the 13,809 U.S. towns with a flood insurance record.
Oil 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: Crawford County.The storms Oil Creek Township remembers
None of the 12 disasters declared for Crawford County shows FEMA aid or repair money reaching Oil Creek Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19904 flood claims paidNo declaration for the county that year
- 19862 flood claims paidNo declaration for the county that year
- 19791 flood claims paidNo declaration for the county that year
Crawford County has had 12 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.
Old photos of Oil Creek Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Oil Creek Township archive →Oil Creek Township and its neighbors
Oil Creek Township is 4th 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 |
|---|---|---|---|
| Cherrytree Township | A+less damage than 95% | river and rain flooding | 3 |
| Rome Township | Aless damage than 90% | river and rain flooding | — |
| Troy Township | Aless damage than 88% | river and rain flooding | — |
| Oil Creek Township | Cmore damage than 68% | river and rain flooding | 14 |
| Titusville | C−more damage than 79% | river and rain flooding | 77 |
| Southwest Township | — | 388 residents; we grade 1,000+ | |
| Oil Creek Township | — | 638 residents; we grade 1,000+ | |
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 Oil 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.
- 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 Oil Creek Township
Is Oil Creek Township at risk for natural disasters?
On FEMA’s National Risk Index, Oil Creek Township has higher expected damage per building than 68% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (94%). 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 Oil Creek Township flood?
Flood insurance has paid 14 claims in Oil Creek Township since 1979, $33K in all, or 16.2 per 1,000 homes, more than 81% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Oil 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 Crawford County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Oil Creek Township?
FEMA’s Community Rating System list shows no discount for Oil Creek Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Oil Creek Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (94%), and Oil Creek Township’s rate for it is higher than 84% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Oil Creek Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Oil 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.