Natural hazards · Mill Creek

Mill Creek, PA natural hazards

Most of the natural-hazard damage FEMA expects in Mill Creek comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 9 claims here since 1978. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Mill Creek?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Mill Creek to be higher than in 67% of U.S. communities, mostly from inland flooding.

Inland flooding80%Strong wind11%Everything else10%

By hazard

What Mill Creek faces

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

Inland flooding

80% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about 2 times a year in the area

Strong wind

11% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Mill Creek flood?

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

9paid claims since 1978

$185Kpaid to owners

1homes flooded more than once

19782026

Biggest named events

Tropical Storm Ivan: 3 claims, $115K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Mill 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: Huntingdon County.

Disasters that hit Mill Creek

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Mill Creek itself: aid to households, or repair grants to the Borough of Mill Creek.

Brought FEMA money into Mill CreekDeclared for Huntingdon County only

2011

Tropical Storm Lee

1 household applied for aid $751 aid approved

2004

Tropical Depression Ivan

24 households applied for aid $56K aid approved

2004

Severe Storms and Flooding Associated With Tropical Depression Frances

4 households applied for aid $2K aid approved

Huntingdon County has had 14 natural disasters declared since 1953, most often hurricanes and floods.

Around Mill Creek

Mill Creek and the towns around it

Very lowLowModerateHighVery high

Unionmostly inland floodingHigh

Mill Creekmostly inland floodingHigh

Bradymostly inland floodingHigh

Hendersonmostly inland floodingHigh

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. Mill Creek is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Mill Creek’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Borough of Mill Creek. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.