Spearville Township’s building-damage rate from tornadoes is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, Spearville Township gets a B− for hazard risk: higher expected damage per building than 52% of U.S. towns. Most of that expected damage is river and rain flooding (54%), then tornadoes (21%). FEMA’s files show no paid flood insurance claims here.
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 Spearville 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
Tornadoes
Hail
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 Spearville Township’s grade
River and rain flooding is 54% of the building damage FEMA expects in Spearville Township, and Spearville Township’s rate of river and rain flooding damage is lower than 62% of U.S. census tracts. Tornadoes add 21%, at a rate in the top 2% of U.S. census tracts.
B− higher expected damage per building than 52% of U.S. towns (21,298).
All of Spearville Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.9M a year in losses across Spearville Township: $476K to buildings, the rest to people and crops.
Does Spearville Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Spearville Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Spearville 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: Ford County.1 federal disaster brought FEMA money to Spearville Township
Disasters that paid out in Spearville Township itself (aid to households or repair grants to Spearville Township), newest first, with that year’s flood claims.
- 2013Severe Storms, Straight-line Winds, Tornadoes, and Flooding$10K to Spearville Township for repairs
Ford County has had 11 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Ford County, 2017–2017.
Old photos of Spearville Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Spearville Township archive →Spearville Township and its neighbors
Spearville Township has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Spearville Township | B−more damage than 52% | river and rain flooding | 0 |
| Ford Township | — | 335 residents; we grade 1,000+ | |
| Wheatland Township | — | 94 residents; we grade 1,000+ | |
| Grandview Township | — | 269 residents; we grade 1,000+ | |
| Bucklin Township | — | 845 residents; we grade 1,000+ | |
| Sawlog Township | — | 113 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 Spearville 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.
- 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.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Spearville Township
Is Spearville Township at risk for natural disasters?
On FEMA’s National Risk Index, Spearville Township has higher expected damage per building than 52% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (54%) and tornadoes (21%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Spearville 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 Ford County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Spearville Township?
FEMA’s Community Rating System list shows no discount for Spearville Township’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 Spearville Township?
By FEMA money that reached Spearville Township, Severe Storms, Straight-line Winds, Tornadoes, and Flooding (2013): $10K to Spearville Township for repairs.
Is Spearville Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (54%), and Spearville Township’s rate for it is lower than 62% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Spearville Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Spearville 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.