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–Not graded
Natural hazards in Spring Valley · FEMA

Storms, floods and disasters in Spring Valley

Spring Valley isn’t graded for hazard risk: Spring Valley has 853 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
5
of 22 declared for Lake County
By hazard

What Spring Valley faces

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

River and rain flooding

61%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about once every 2 years in the area

Wildfire

29%of expected building damage
Well above average · in the top 1% of U.S. census tracts

Earthquakes

10%of expected building damage
Well above average · higher than 88% of U.S. census tracts
Smaller shares here
 Landslides top 1% Volcanic activity top 0% Tornadoes Hail Strong wind Winter storms Heat waves Lightning
FEMA models no building damage here
Coastal floodingHurricanesIce stormsCold wavesAvalanchesTsunamis
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts avalanches at 20% of Spring Valley’s expected losses. Avalanches do little damage to buildings (0.0%), so they aren’t part of the grade.

Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.

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 Spring Valley flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Spring Valley. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Spring Valley isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Lake County.
Disasters

5 federal disasters brought FEMA money to Spring Valley

Disasters that paid out in Spring Valley itself (aid to households or repair grants to Spring Valley), newest first, with that year’s flood claims.

  1. 2024Severe Storm and Flooding896 households applied for aid$4.9M aid approved
  2. 2020Wildfires1 households applied for aid$773 aid approved
  3. 2007Wildfires, Flooding, Mud Flows, and Debris Flows178 households applied for aid$5K aid approved
  4. 2004Severe Storms, Flooding, Debris Flows, and Mudslides30 households applied for aid$27K aid approved
  5. 2003Wildfires, Flooding, Mudflow and Debris Flow Directly Related T28 households applied for aid$8K aid approved
Disasters declared, by decade
Paid out in Spring ValleyLake County only

Lake County has had 22 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Also 10 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Lake County, 2004–2024.

Were you here?

Old photos of Spring Valley after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Spring Valley archive →
Be ready

Get ready for what Spring Valley faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Wildfire
  • Clear dead leaves and brush within 5 feet of the house.
  • Sign up for local alerts and know two ways out.
  • Keep N95 masks for smoky days.
More from Ready.gov ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Spring Valley

Is Spring Valley in a flood zone?

Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Lake County, 15% of homes in mapped flood zones carry federal flood insurance, and 2.4% of all homes do.

How much is flood insurance in Spring Valley?

FEMA’s Community Rating System list shows no discount for Spring Valley’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

What was the biggest storm in Spring Valley?

By FEMA money that reached Spring Valley, Severe Storm and Flooding (2024): 896 households applied for aid, $4.9M approved.

Storm stories

Memories, warnings and help from neighbors in Spring Valley.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Spring Valley’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.