Rose Bower · Photo: Nyttend · Public domainStorms, floods and disasters in Stony Creek
Stony Creek isn’t graded for hazard risk: Stony Creek has 341 residents; we grade towns of 1,000 or more. Flood insurance has paid 18 claims here since 1985.
What Stony Creek 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.
Does Stony Creek flood? Sometimes: 18 flood claims since 1985
Every paid claim on a federal flood insurance policy in Stony Creek, from FEMA’s records.
- Hurricane Floyd9 claims · $36K
- Hurricane Isabel7 claims · $54K
- Hurricane Fran1 claim · $454
Stony Creek isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sussex County.1 federal disaster brought FEMA money to Stony Creek
Disasters that paid out in Stony Creek itself (aid to households or repair grants to the Town of Stony Creek), newest first, with that year’s flood claims.
- 2003Hurricane Isabel151 households applied for aid$95K aid approved7 flood claims paid for it, $54K
Sussex County has had 14 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Stony Creek after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Stony Creek archive →Get ready for what Stony Creek 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 Stony Creek
Does Stony Creek flood?
Flood insurance has paid 18 claims in Stony Creek since 1985, $96K in all. 5 properties have flooded more than once. The most claims came from Hurricane Floyd (9).
Is Stony Creek 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 Sussex County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Stony Creek?
FEMA’s Community Rating System list shows no discount for Stony Creek’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 Stony Creek?
By FEMA money that reached Stony Creek, Hurricane Isabel (2003): 151 households applied for aid, $95K approved. By flood claims, Hurricane Floyd: 9 paid, $36K.
Storm stories
Memories, warnings and help from neighbors in Stony Creek.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Stony Creek’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.