Natural hazards · Clear Creek

Clear Creek, IN natural hazards

Most of the natural-hazard damage FEMA expects in Clear Creek comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 11 claims here since 1980.

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

Expected damage

How exposed is Clear Creek?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clear Creek to be higher than in 34% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding46%Tornadoes21%Strong wind9%Cold waves7%Drought7%Everything else11%

By hazard

What Clear Creek faces

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

Inland flooding

46% of expected damage

Below average · higher than 45% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

21% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 18 years in the area

Strong wind

9% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 5 times a year in the area

Cold waves

7% of expected damage

Well below average · higher than 21% of U.S. places

Recorded about 4 times a year in the area

Drought

7% of expected damage

Recorded about 2 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

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 Clear Creek flood?

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

11paid claims since 1980

$212Kpaid to owners

0homes flooded more than once

19802026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Clear 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: Huntington County.

Disasters that hit Clear Creek

Federal disasters declared here

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

Brought FEMA money into Clear CreekDeclared for Huntington County only

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

Around Clear Creek

Clear Creek and the towns around it

Very lowLowModerateHighVery high

Huntingtonmostly inland floodingModerate

Clear Creekmostly inland floodingLow

Warrenmostly inland floodingLow

Jacksonmostly inland floodingLow

Washingtonmostly 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. Clear Creek covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Clear 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 Clear 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 Clear Creek total about $1.5M 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.