Photo: Ceh2624 · CC BY-SA 3.0Storms, floods and disasters in Lost Creek
Lost Creek isn’t graded for hazard risk: Lost Creek has 302 residents; we grade towns of 1,000 or more. Flood insurance has paid 76 claims here since 1979.
What Lost 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
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 Lost Creek flood? Sometimes: 76 flood claims since 1979
Every paid claim on a federal flood insurance policy in Lost Creek, from FEMA’s records.
Lost 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: Harrison County.5 federal disasters brought FEMA money to Lost Creek
Disasters that paid out in Lost Creek itself (aid to households or repair grants to the Town of Lost Creek), newest first, with that year’s flood claims.
- 2023Severe Storms, Flooding, Landslides, and Mudslides16 households applied for aid$58K aid approved1 flood claim paid that year
- 2008Severe Storms, Tornadoes, Flooding, Mudslides, and2 households applied for aid$3K aid approved1 flood claim paid that year
- 2003Severe Storms, Flooding, and Landslides7 households applied for aid$16K aid approved
- 2003Severe Storms, Flooding, and Landslides11 households applied for aid$31K aid approved
- 2003Severe Winter Storm, Record/near Record Snow, Heavy Rains, Flooding and Landslides7 households applied for aid$7K aid approved
Harrison County has had 20 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 Lost Creek after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lost Creek archive →Get ready for what Lost 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.
- 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 Lost Creek
Does Lost Creek flood?
Flood insurance has paid 76 claims in Lost Creek since 1979, $640K in all. 7 properties have flooded more than once.
Is Lost 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 Harrison County, 10% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Lost Creek?
FEMA’s Community Rating System list shows no discount for Lost 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 Lost Creek?
By FEMA money that reached Lost Creek, Severe Storms, Flooding, Landslides, and Mudslides (2023): 16 households applied for aid, $58K approved.
Storm stories
Memories, warnings and help from neighbors in Lost Creek.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lost 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.