Natural hazards · Bearcreek

Bearcreek, IN natural hazards

Most of the natural-hazard damage FEMA expects in Bearcreek comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 6 claims here since 2003.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Bearcreek?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Bearcreek to be higher than in 26% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding51%Tornadoes26%Strong wind8%Everything else15%

By hazard

What Bearcreek faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

51% of expected damage

Below average · higher than 28% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

26% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 13 years in the area

Strong wind

8% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic activity

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 Bearcreek flood?

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

6paid claims since 2003

$68Kpaid to owners

0homes flooded more than once

20032026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Bearcreek isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Jay County.

Disasters that hit Bearcreek

Federal disasters declared here

None of the disasters declared for Jay County shows FEMA aid or repair money reaching Bearcreek itself in FEMA’s records.

Brought FEMA money into BearcreekDeclared for Jay County only

Jay County has had 13 natural disasters declared since 1953, most often winter storms and severe storms.

Around Bearcreek

Bearcreek and the towns around it

Very lowLowModerateHighVery high

Waynemostly inland floodingModerate

Wabashmostly inland floodingModerate

Bearcreekmostly inland floodingLow

Jacksonmostly inland floodingLow

Wabashmostly inland floodingLow

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Bearcreek covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Bearcreek’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Bearcreek. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Bearcreek total about $1.2M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.