Guest, Sign inJoin

Post to Frog Creek

We’ll email a one-tap link to publish your post. No password, and nothing is public until you click it.
Already a member? Sign in
–Not graded
Natural hazards in Frog Creek · FEMA

Storms, floods and disasters in Frog Creek

Frog Creek isn’t graded for hazard risk: Frog Creek has 81 residents; we grade towns of 1,000 or more. Flood insurance has paid 4 claims here since 2016.

Flood claims
4
paid since 2016 · $63K
Disasters paid out here
2
of 7 declared for Washburn County
By hazard

What Frog 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

88%of expected building damage
About average · higher than 51% of U.S. census tracts
Recorded about once every 7 years in the area
Smaller shares here
 Hail Tornadoes Strong wind Wildfire Winter storms Lightning Earthquakes Ice storms Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 40% of Frog Creek’s expected losses. Cold waves do little damage to buildings (0.0%), so they aren’t part of the grade.

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.
Flood insurance claims

Does Frog Creek flood? Rarely: 4 flood claims since 2016

Every paid claim on a federal flood insurance policy in Frog Creek, from FEMA’s records.

Paid flood claims, by year
2016: 4 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2016
20162026
4
paid claims since 2016
$63K
paid to owners
0
homes flooded more than once
$16K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Frog 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: Washburn County.
Disasters

2 federal disasters brought FEMA money to Frog Creek

Disasters that paid out in Frog Creek itself (aid to households or repair grants to the Town of Frog Creek), newest first, with that year’s flood claims.

  1. 2016Severe Storms and Flooding$159K to the Town of Frog Creek for repairs4 flood claims paid that year
  2. 2001Flooding, Severe Storms and Tornadoes$144K to the Town of Frog Creek for repairs
Disasters declared, by decade
Paid out in Frog CreekWashburn County only

Washburn County has had 7 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 Frog Creek after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Frog Creek archive →
Next door

Frog Creek and its neighbors

How expected damage per building compares across the town line. Tap a town to see its hazards.

Minong: hazard risk A−Stinnett: not gradedWascott: not gradedLenroot: hazard risk BMinongStinnettWascottLenrootFrog Creek
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
MinongA−less damage than 76%river and rain flooding—
LenrootBless damage than 55%river and rain flooding—
Stinnett—227 residents; we grade 1,000+
Wascott—935 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.

Be ready

Get ready for what Frog 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.

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 Frog Creek

Does Frog Creek flood?

Flood insurance has paid 4 claims in Frog Creek since 2016, $63K in all.

Is Frog 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 Washburn County, 8% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.

How much is flood insurance in Frog Creek?

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

By FEMA money that reached Frog Creek, Severe Storms and Flooding (2016): $159K to the Town of Frog Creek for repairs.

Storm stories

Memories, warnings and help from neighbors in Frog Creek.

Town Square →
Start the conversation

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