Natural hazards · Sandcreek

Sandcreek, IN natural hazards

Most of the natural-hazard damage FEMA expects in Sandcreek comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 3 claims here since 1998.

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

Expected damage

How exposed is Sandcreek?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Sandcreek to be higher than in 56% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding51%Tornadoes21%Strong wind7%Cold waves6%Lightning5%Everything else10%

By hazard

What Sandcreek 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

Above average · higher than 68% of U.S. places

Recorded about once a year in the area

Tornadoes

21% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 18 years in the area

Strong wind

7% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about 5 times a year in the area

Cold waves

6% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 2 times a year in the area

Lightning

5% of expected damage

Well above average · higher than 79% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesDrought

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 Sandcreek flood?

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

3paid claims since 1998

$38Kpaid to owners

0homes flooded more than once

19982026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Decatur County.

Disasters that hit Sandcreek

Federal disasters declared here

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

Brought FEMA money into SandcreekDeclared for Decatur County only

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

Around Sandcreek

Sandcreek and the towns around it

Very lowLowModerateHighVery high

Columbiamostly inland floodingHigh

Sand Creekmostly inland floodingHigh

Claymostly inland floodingHigh

Washingtonmostly inland floodingModerate

Sandcreekmostly inland floodingModerate

Jacksonmostly inland floodingModerate

Marionmostly inland floodingModerate

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. Sandcreek covers 1 census tract, combined by population.

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