Dells Mill · Photo: Jeff the quiet · CC0On FEMA’s figures, Bridge Creek faces more hazard damage per building than 67% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Bridge Creek gets a C for hazard risk: higher expected damage per building than 67% of U.S. towns. Most of that expected damage is river and rain flooding (84%). Flood insurance has paid 2 claims here since 1993.
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 Bridge 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
Tornadoes
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 Bridge Creek’s grade
River and rain flooding is 84% of the building damage FEMA expects in Bridge Creek, and Bridge Creek’s rate of river and rain flooding damage is higher than 79% of U.S. census tracts. Strong wind adds 3%, at a rate in the top 10% of U.S. census tracts.
C higher expected damage per building than 67% of U.S. towns (21,298).
All of Bridge Creek’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.2M a year in losses across Bridge Creek: $785K to buildings, the rest to people and crops.
Does Bridge Creek flood? Rarely: 2 flood claims since 1993
Every paid claim on a federal flood insurance policy in Bridge Creek, from FEMA’s records: 1.9 per 1,000 homes, fewer than 63% of the 13,809 U.S. towns with a flood insurance record.
Bridge 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: Eau Claire County.The storms Bridge Creek remembers
None of the 6 disasters declared for Eau Claire County shows FEMA aid or repair money reaching Bridge Creek itself in FEMA’s records, so these are its biggest flood-claim years.
- 19931 flood claims paidThe year of Severe Storms, Tornadoes and Flooding, declared for Eau Claire County
- 20161 flood claims paidNo declaration for the county that year
Eau Claire County has had 6 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 Bridge Creek after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Bridge Creek archive →Bridge Creek and its neighbors
Bridge Creek is 3rd of the 3 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 |
|---|---|---|---|
| Ludington | Bless damage than 57% | river and rain flooding | — |
| Lincoln | Bless damage than 57% | river and rain flooding | — |
| Bridge Creek | Cmore damage than 67% | river and rain flooding | 2 |
| Garfield | — | 704 residents; we grade 1,000+ | |
| Wilson | — | 498 residents; we grade 1,000+ | |
| Foster | — | 138 residents; we grade 1,000+ | |
| Fairchild | — | 500 residents; we grade 1,000+ | |
| Otter Creek | — | 394 residents; we grade 1,000+ | |
| Cleveland | — | 427 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 Bridge 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- 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 Bridge Creek
Is Bridge Creek at risk for natural disasters?
On FEMA’s National Risk Index, Bridge Creek has higher expected damage per building than 67% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (84%) and tornadoes (8%). 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 Bridge Creek flood?
Flood insurance has paid 2 claims in Bridge Creek since 1993, $66K in all, or 1.9 per 1,000 homes, fewer than 63% of U.S. towns with a flood insurance record.
Is Bridge 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 Eau Claire County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.2% of all homes do.
How much is flood insurance in Bridge Creek?
FEMA’s Community Rating System list shows no discount for Bridge Creek’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Bridge Creek at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (84%), and Bridge Creek’s rate for it is higher than 79% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Bridge Creek.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Bridge 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.