Natural hazards · Cedar Creek

Cedar Creek, IN natural hazards

Most of the natural-hazard damage FEMA expects in Cedar Creek comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 7 claims here since 1978.

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

Expected damage

How exposed is Cedar Creek?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Cedar Creek to be higher than in 38% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding65%Tornadoes19%Everything else16%

By hazard

What Cedar Creek faces

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

Inland flooding

65% of expected damage

Above average · higher than 57% of U.S. places

Recorded about once a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 93 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Cedar Creek flood?

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

7paid claims since 1978

$48Kpaid to owners

0homes flooded more than once

19782026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Cedar 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: Allen County.

Disasters that hit Cedar Creek

Federal disasters declared here

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

Brought FEMA money into Cedar CreekDeclared for Allen County only

Allen County has had 16 natural disasters declared since 1953, most often severe storms and floods.

Around Cedar Creek

Cedar Creek and the towns around it

Very lowLowModerateHighVery high

Cedar Creekmostly inland floodingLow

St. Josephmostly inland floodingLow

Jacksonmostly inland floodingLow

Perrymostly inland floodingLow

Springfieldmostly 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. Cedar Creek covers 2 census tracts, combined by population.

Money that reached townFlood claims are matched to Cedar Creek’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Cedar Creek. 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 Cedar Creek total about $3.7M 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.