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C−Hazard risk
Natural hazards in South Creek Township · FEMA

More hazard damage per building is expected in South Creek Township than in 80% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, South Creek Township gets a C− for hazard risk: higher expected damage per building than 80% of U.S. towns. Most of that expected damage is river and rain flooding (96%). Flood insurance has paid 5 claims here since 2011.

River and rain flooding 96%Hurricanes 1%Tornadoes 1%

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

more than 80%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
C−
in Pennsylvania · higher than 80% of U.S. towns
Main hazard
River and rain flooding
96% of expected building damage
Flood claims
5
paid since 2011 · $18K
Flooded more than once
1
properties
Flood claims per home
10 per 1,000
more than 74% of U.S. towns
By hazard

What South 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

96%of expected building damage
Well above average · in the top 9% of U.S. census tracts
Recorded about 3 times a year in the area
Smaller shares here
 Hurricanes Tornadoes Strong wind Earthquakes Ice storms Hail Wildfire Winter storms Cold waves Heat waves Landslides Lightning
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind South Creek Township’s grade

River and rain flooding is 96% of the building damage FEMA expects in South Creek Township, and South Creek Township’s rate of river and rain flooding damage is in the top 9% of U.S. census tracts.

Where South Creek Township sits
South Creek Township
Least damageMiddleMost damage

C− higher expected damage per building than 80% of U.S. towns (21,298).

All of South Creek Township’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding96%Everything else4%

In dollars, FEMA expects about $512K a year in losses across South Creek Township: $442K to buildings, the rest to people and crops.

Shared tract.All of South Creek Township’s 1,116 residents (2020 census) live in one census tract, which it shares with Ridgebury township (1,905 residents) and Wells township (1,150 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does South Creek Township flood? Rarely: 5 flood claims since 2011

Every paid claim on a federal flood insurance policy in South Creek Township, from FEMA’s records: 10.2 per 1,000 homes, more than 74% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2011: 4 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 1 claim2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims20112018
20112026
Biggest named events
  • Tropical Storm Lee4 claims · $14K
5
paid claims since 2011
$18K
paid to owners
1
homes flooded more than once
$4K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

South 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: Bradford County.
Disasters

The storms South Creek Township remembers

None of the 17 disasters declared for Bradford County shows FEMA aid or repair money reaching South Creek Township itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20114 flood claims paidThe year of Tropical Storm Lee, declared for Bradford County
  2. 20181 flood claims paidThe year of Severe Storms and Flooding, declared for Bradford County
Disasters declared, by decade
Paid out in South Creek TownshipBradford County only

Bradford County has had 17 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.

Were you here?

Old photos of South Creek Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the South Creek Township archive →
Next door

South Creek Township and its neighbors

South Creek Township is 4th of the 4 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Wells Township: hazard risk C−Ridgebury Township: hazard risk C−Southport: hazard risk B+Wells TownshipRidgebury TownshipSouthportSouth Creek Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
SouthportB+less damage than 68%river and rain flooding19
Wells TownshipC−more damage than 80%river and rain flooding5
Ridgebury TownshipC−more damage than 80%river and rain flooding33
South Creek TownshipC−more damage than 80%river and rain flooding5

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.

Be ready

Get ready for what South 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.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in South Creek Township

Is South Creek Township at risk for natural disasters?

On FEMA’s National Risk Index, South Creek Township has higher expected damage per building than 80% of U.S. towns: C− for hazard risk. Most of the expected damage is river and rain flooding (96%). 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 South Creek Township flood?

Flood insurance has paid 5 claims in South Creek Township since 2011, $18K in all, or 10.2 per 1,000 homes, more than 74% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Tropical Storm Lee (4).

Is South 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 Bradford County, 26% of homes in mapped flood zones carry federal flood insurance, and 1.6% of all homes do.

How much is flood insurance in South Creek Township?

FEMA’s Community Rating System list shows no discount for South 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 South Creek Township?

By flood claims, Tropical Storm Lee: 4 paid, $14K.

Is South Creek Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (96%), and South Creek Township’s rate for it is in the top 9% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in South Creek Township.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where South 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.