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Spring Hill, Florida Gateway @ US 19Photo: DanTD · CC BY-SA 3.0
C−Hazard risk
Natural hazards in Spring Hill · FEMA

FEMA puts Spring Hill’s expected hazard damage per building above that of 78% of U.S. towns, led by river and rain flooding

On FEMA’s National Risk Index, Spring Hill gets a C− for hazard risk: higher expected damage per building than 78% of U.S. towns, #302 of 638 in Florida. Most of that expected damage is river and rain flooding (48%), then hurricanes (46%). Flood insurance has paid 25 claims here since 1998.

River and rain flooding 48%Hurricanes 46%Tornadoes 4%

Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded

more than 78%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade#302 of 638 in Florida
Hazard risk
C−#302 of 638
in Florida · higher than 78% of U.S. towns
Main hazard
River and rain flooding
48% of expected building damage
Flood claims
25
paid since 1998 · $552K
Disasters paid out here
12
of 29 declared for Hernando County

What stands out about Spring Hill’s natural hazards

From FEMA’s model and FEMA’s records, below.

Made safer with FEMA grants4 buildings retrofitted against wind; 2 homes raised above flood level; 2 storm safe rooms built; 1 flood-prone property bought out and cleared with FEMA grants.Remembers 201215 flood claims were paid for 2012 alone, the most of any year.
By hazard

What Spring Hill 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

48%of expected building damage
About average · higher than 59% of U.S. census tracts
Recorded about once a year in the area

Hurricanes

46%of expected building damage
Well above average · in the top 8% of U.S. census tracts
Recorded about once every 3 years in the area
Smaller shares here
 Tornadoes Strong wind Coastal flooding Wildfire Earthquakes Cold waves Lightning Hail Heat waves Landslides
FEMA models no building damage here
Winter stormsIce stormsAvalanchesTsunamisVolcanic activity

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.
Hazard risk grade

What’s behind Spring Hill’s grade

River and rain flooding is 48% of the building damage FEMA expects in Spring Hill, and Spring Hill’s rate of river and rain flooding damage is higher than 59% of U.S. census tracts. Hurricanes add 46%, at a rate in the top 8% of U.S. census tracts.

Where Spring Hill sits
Spring Hill
Least damageMiddleMost damage

C− #302 of 638 in Florida; higher expected damage per building than 78% of U.S. towns (21,298).

Spring Hill’s residents live in 29 census tracts; FEMA’s figures are combined by where they live.

What drives the damage to buildings
River and rain flooding48%Hurricanes46%Tornadoes4%Everything else2%

The typical Florida town has higher expected damage than 79% of U.S. towns; within the state, Spring Hill has less expected damage per building than 53% of Florida towns.

Among the 400 U.S. cities of 100,000 or more, Spring Hill has higher expected damage per building than 71% (#283 of 400). Because it is so big, its total expected yearly loss, $32.1M, is the 345th largest of those 400.

Recent disaster.FEMA’s model looks at expected damage to the buildings standing today. After Hurricane Irma in 2017, FEMA took 7,125 aid registrations from Spring Hill addresses (the town has 48,996 homes) and flood insurance paid 2 claims for $58K.
A firm figure. It combines 29 census tracts by where Spring Hill’s residents live. FEMA’s model is an average year for today’s buildings, not a record: the claims and disasters below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Spring Hill flood? Sometimes: 25 flood claims since 1998

Every paid claim on a federal flood insurance policy in Spring Hill, from FEMA’s records: 0.5 per 1,000 homes, fewer than 89% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1998: 1 claim1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 1 claim2005: 0 claims2006: 0 claims2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 3 claims2012: 15 claims2013: 0 claims2014: 0 claims2015: 1 claim2016: 0 claims2017: 2 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 2 claims2025: 0 claims2026: 0 claims201120122017
19982026
Biggest named events
  • Tropical Storm Debby14 claims · $255K
  • Hurricane Irma2 claims · $58K
  • Hurricane Ivan1 claim · $48K
25
paid claims since 1998
$552K
paid to owners
0
homes flooded more than once
$22K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Hernando County.
What’s been done with FEMA grants
4buildings retrofitted against wind
2homes raised above flood level
2storm safe rooms built
1flood-prone property bought out and cleared
Disasters

12 federal disasters brought FEMA money to Spring Hill

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

  1. 2024Hurricane Milton6,625 households applied for aid$3.5M aid approved1 flood claim paid for it, $66K
  2. 2024Hurricane Helene2,770 households applied for aid$6.0M aid approved
  3. 2023Hurricane Idalia788 households applied for aid$1.0M aid approved
  4. 2022Hurricane Ian151 households applied for aid$41K aid approved
  5. 2017Hurricane Irma7,125 households applied for aid$1.8M aid approved2 flood claims paid for it, $58K
  6. 2016Hurricane Hermine143 households applied for aid$329K aid approved
Show all 12
  1. 2012Tropical Storm Debby410 households applied for aid$440K aid approved14 flood claims paid for it, $255K
  2. 2005Hurricane Wilma1 households applied for aid$857 aid approved
  3. 2004Hurricane Jeanne663 households applied for aid$567K aid approved
  4. 2004Hurricane Ivan6 households applied for aid$853 aid approved1 flood claim paid for it, $48K
  5. 2004Hurricane Frances909 households applied for aid$592K aid approved
  6. 2004Tropical Storm Bonnie and Hurricane Charley16 households applied for aid$25K aid approved
Disasters declared, by decade
Paid out in Spring HillHernando County only

Hernando County has had 29 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Hernando County, 2000–2000.

Were you here?

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

Add to the Spring Hill archive →
Next door

Spring Hill and its neighbors

Spring Hill is 6th of the 7 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Timber Pines: hazard risk CSouth Brooksville: hazard risk CMasaryktown: hazard risk C−High Point: hazard risk CShady Hills: hazard risk C−Brookridge: hazard risk C−Timber PinesSouth BrooksvilleMasaryktownHigh PointShady HillsBrookridgeSpring Hill
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
High PointCmore damage than 68%hurricanes—
Timber PinesCmore damage than 73%hurricanes4
South BrooksvilleCmore damage than 73%hurricanes8
BrookridgeC−more damage than 76%hurricanes5
MasaryktownC−more damage than 78%river and rain flooding—
Spring HillC−more damage than 78%river and rain flooding25
Shady HillsC−more damage than 79%river and rain flooding14

Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.

Be ready

Get ready for what Spring Hill 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 ↗
Hurricane season
  • The season runs June through November and peaks from mid-August to mid-October.
  • Bring in porch furniture and anything the wind can throw.
  • Fill the gas tank and charge phones before the storm arrives.
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 Hill

Is Spring Hill at risk for natural disasters?

On FEMA’s National Risk Index, Spring Hill has higher expected damage per building than 78% of U.S. towns: C− for hazard risk, #302 of 638 in Florida. Most of the expected damage is river and rain flooding (48%) and hurricanes (46%). This is FEMA’s model of an average year for today’s buildings, not a forecast.

Does Spring Hill flood?

Flood insurance has paid 25 claims in Spring Hill since 1998, $552K in all, or 0.5 per 1,000 homes, fewer than 89% of U.S. towns with a flood insurance record. The most claims came from Tropical Storm Debby (14).

Is Spring Hill 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 Hernando County, 54% of homes in mapped flood zones carry federal flood insurance, and 4.8% of all homes do.

How much is flood insurance in Spring Hill?

FEMA’s Community Rating System list shows no discount for Spring Hill’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 Hill?

By FEMA money that reached Spring Hill, Hurricane Helene (2024): 2,770 households applied for aid, $6.0M approved. By flood claims, Tropical Storm Debby: 14 paid, $255K.

Is Spring Hill at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (48%), and Spring Hill’s rate for it is higher than 59% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Spring Hill.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Spring Hill’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.