More hazard damage per building is expected in Spring Point Township than in 72% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Spring Point Township gets a C for hazard risk: higher expected damage per building than 72% of U.S. towns. Most of that expected damage is river and rain flooding (72%), then earthquakes (15%). Flood insurance has paid 1 claim here since 1999.
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
What Spring Point Township 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
Earthquakes
Tornadoes
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.
What’s behind Spring Point Township’s grade
River and rain flooding is 72% of the building damage FEMA expects in Spring Point Township, and Spring Point Township’s rate of river and rain flooding damage is higher than 75% of U.S. census tracts. Strong wind adds 3%, at a rate in the top 9% of U.S. census tracts.
C higher expected damage per building than 72% of U.S. towns (21,298).
Spring Point Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $943K a year in losses across Spring Point Township: $589K to buildings, the rest to people and crops.
Does Spring Point Township flood? Rarely: 1 flood claim since 1999
Every paid claim on a federal flood insurance policy in Spring Point Township, from FEMA’s records: 1.8 per 1,000 homes, fewer than 65% of the 13,809 U.S. towns with a flood insurance record.
Spring Point Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cumberland County.The storms Spring Point Township remembers
None of the 6 disasters declared for Cumberland County shows FEMA aid or repair money reaching Spring Point Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19991 flood claims paidNo declaration for the county that year
Cumberland County has had 6 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Spring Point Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Spring Point Township archive →Spring Point Township and its neighbors
Spring Point Township is 4th of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Douglas Township | Bless damage than 55% | river and rain flooding | — |
| St. Francis Township | C+more damage than 56% | river and rain flooding | — |
| Neoga Township | Cmore damage than 72% | river and rain flooding | — |
| Spring Point Township | Cmore damage than 72% | river and rain flooding | 1 |
| Sumpter Township | C−more damage than 76% | river and rain flooding | 1 |
| Woodbury Township | — | 580 residents; we grade 1,000+ | |
| Sigel Township | — | 726 residents; we grade 1,000+ | |
| Grove Township | — | 531 residents; we grade 1,000+ | |
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.
Get ready for what Spring Point Township faces
A short kit for the hazards that drive the building damage here, 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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.
- 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.
Questions about natural hazards in Spring Point Township
Is Spring Point Township at risk for natural disasters?
On FEMA’s National Risk Index, Spring Point Township has higher expected damage per building than 72% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (72%) and earthquakes (15%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Spring Point Township flood?
Flood insurance has paid 1 claim in Spring Point Township since 1999, $6K in all, or 1.8 per 1,000 homes, fewer than 65% of U.S. towns with a flood insurance record.
Is Spring Point Township 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 Cumberland County, 3% of homes in mapped flood zones carry federal flood insurance, and 0.0% of all homes do.
How much is flood insurance in Spring Point Township?
FEMA’s Community Rating System list shows no discount for Spring Point Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Spring Point Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Spring Point Township’s rate for it is higher than 75% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Spring Point Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Spring Point Township’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.