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Natural hazards · Silver Creek

Silver Creek, IN natural hazards

Most of the natural-hazard damage FEMA expects in Silver Creek comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 41 claims here since 1978.

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

How exposed is Silver Creek?

47
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Silver Creek to be higher than in 47% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding42%Tornadoes29%Strong wind10%Cold waves8%Earthquakes6%Everything else5%
By hazard

What Silver Creek faces

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

Inland flooding

42% of expected damage
Above average · higher than 58% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

29% of expected damage
Well above average · higher than 91% of U.S. places

Strong wind

10% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about 6 times a year in the area

Cold waves

8% of expected damage
Below average · higher than 48% of U.S. places
Recorded about once a year in the area

Earthquakes

6% of expected damage
Well above average · higher than 76% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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 Silver Creek flood?

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

41paid claims since 1978
$585Kpaid to owners
0homes flooded more than once
19782026

Biggest named events

  • Mid-spring storms: 3 claims, $27K
  • Not a named storm: 1 claim, $310
  • March storm: 1 claim, $18K
of homes in flood zones
are insured
of all homes
are insured
No community discount. Silver 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: Clark County.
Disasters that hit Silver Creek

Federal disasters declared here

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

Brought FEMA money into Silver CreekDeclared for Clark County only
Clark County has had 17 natural disasters declared since 1953, most often severe storms and floods.
Around Silver Creek

Silver Creek and the towns around it

Jeffersonville: Moderate, mostly inland floodingCharlestown: Moderate, mostly inland floodingJeffersonville: High, mostly inland floodingUtica: Moderate, mostly inland floodingNew Albany: Moderate, mostly inland floodingCarr: High, mostly inland floodingClarksville: Moderate, mostly inland floodingSellersburg: Moderate, mostly inland floodingUnion: High, mostly inland floodingLouisville/Jefferson County metro government: no dataCharlestown: Low, mostly inland floodingUtica: Moderate, mostly inland floodingOwen: High, mostly inland floodingOregon: High, mostly inland floodingMonroe: High, mostly inland floodingOtisco: Moderate, mostly inland floodingNew Albany: High, mostly inland floodingLafayette: Moderate, mostly inland floodingFranklin: High, mostly inland floodingGeorgetown: Moderate, mostly inland floodingFloyds Knobs: Moderate, mostly inland floodingWood: High, mostly inland floodingSilver Creek: Moderate, mostly inland flooding Silver CreekJeffersonvilleCharlestownJeffersonvilleUticaNew AlbanyCarrClarksvilleSellersburgUnion
Very lowLowModerateHighVery high
Unionmostly inland floodingHigh
Carrmostly inland floodingHigh
Jeffersonvillemostly inland floodingHigh
Jeffersonvillemostly inland floodingModerate
New Albanymostly inland floodingModerate
Clarksvillemostly inland floodingModerate
Silver Creekmostly inland floodingModerate
Sellersburgmostly inland floodingModerate
Uticamostly inland floodingModerate
Charlestownmostly 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. Silver Creek covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Silver 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 Silver 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 Silver Creek total about $5.6M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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