Natural hazards · Sand Creek

Sand Creek, IN natural hazards

Most of the natural-hazard damage FEMA expects in Sand Creek comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 30 claims here since 1981.

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

Expected damage

How exposed is Sand Creek?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sand Creek to be higher than in 63% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding64%Tornadoes19%Everything else18%

By hazard

What Sand Creek faces

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

Inland flooding

64% of expected damage

Well above average · higher than 78% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

19% of expected damage

Well above average · higher than 96% of U.S. places

Recorded about once every 33 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 Sand Creek flood?

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

30paid claims since 1981

$609Kpaid to owners

0homes flooded more than once

19812026

Biggest named events

Storm: 5 claims, $63K
March storm: 2 claims, $24K
Mid-spring storms: 1 claim, $3K

of homes in flood zones
are insured

of all homes
are insured

No community discount. Sand 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: Bartholomew County.

Disasters that hit Sand Creek

Federal disasters declared here

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

Brought FEMA money into Sand CreekDeclared for Bartholomew County only

Bartholomew County has had 11 natural disasters declared since 1953, most often floods and severe storms.

Around Sand Creek

Sand Creek and the towns around it

Very lowLowModerateHighVery high

Rock Creekmostly inland floodingHigh

Sand Creekmostly inland floodingHigh

Genevamostly inland floodingModerate

Columbusmostly inland floodingModerate

Waynemostly inland floodingModerate

Reddingmostly 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. Sand Creek covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Sand 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 Sand 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 Sand Creek total about $1.4M 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.