Silver Creek is calmer than 81% of U.S. communities
Most of the natural-hazard damage FEMA expects in Silver Creek comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 4 claims here since 2015.
What stands out about Silver Creek’s weather risks
Read from FEMA’s records below. The page puts what stands out first.
How exposed is Silver Creek?
FEMA expects yearly storm and flood damage to homes and buildings here to be higher than in 19% of U.S. communities, mostly from inland flooding.
Calmer than 1,175 of the 1,771 Michigan towns we cover.
Silver Creek covers 2 census tracts, combined by population.
What Silver Creek faces
Each hazard’s share of the damage FEMA expects here, and how it compares with the rest of the country.
Inland flooding
Tornadoes
Cold waves
Strong wind
Does Silver Creek flood? Rarely: 4 flood claims since 2015
Every paid claim on a federal flood insurance policy in Silver Creek, from FEMA’s records.
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: Cass County.Federal disasters declared here
None of the disasters declared for Cass County shows FEMA aid or repair money reaching Silver Creek itself in FEMA’s records.
Cass County has had 7 natural disasters declared since 1953, most often winter storms and hurricanes.
Get ready for what Silver Creek actually faces
A short kit for its top hazards, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Let faucets drip so pipes don’t freeze.
- Know where your water shutoff is.
- Never heat the house with the oven or a grill.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Silver Creek and its neighbors
Silver Creek ranks 3rd calmest of 5 towns around it. Tap a town to see its hazards.
Rating = expected yearly storm and flood damage as a share of what’s there, vs. U.S. communities. Flood claims = paid federal flood insurance claims on record.
What these numbers can and can’t tell you
- An average, not a forecast. FEMA’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 there, so a big city isn’t rated riskier just for having more buildings.
- Money that reached town. Flood claims are matched to Silver Creek’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Silver Creek.
- It follows property value. FEMA’s model weighs damage to buildings, so a place that recently lost many homes can rate lower than it feels. Across Silver Creek, expected losses total about $1.4M a year, counting buildings, people and crops.
Storm stories
Memories, warnings and help from neighbors in Silver Creek.
Your answer becomes a post in Town Square.
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. Preparedness tips: Ready.gov. An average of past damage, not a forecast.