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–Not graded
Natural hazards in Spearville · FEMA

Storms, floods and disasters in Spearville

Spearville isn’t graded for hazard risk: Spearville has 998 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
1
of 11 declared for Ford County
By hazard

What Spearville 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

54%of expected building damage
Below average · lower than 62% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

21%of expected building damage
Well above average · in the top 2% of U.S. census tracts
Recorded about once every 2 years in the area

Hail

18%of expected building damage
Well above average · in the top 4% of U.S. census tracts
Recorded about 11 times a year in the area
Smaller shares here
 Wildfire Ice storms Strong wind Earthquakes Winter storms Lightning Cold waves Heat waves top 4% Landslides
FEMA models no building damage here
Coastal floodingHurricanesAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts drought at 41% of Spearville’s expected losses. Drought does 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 Spearville flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Spearville. 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

Spearville 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.
Disasters

1 federal disaster brought FEMA money to Spearville

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

  1. 2006Severe Winter Storm$6K to the City of Spearville for repairs
Disasters declared, by decade
Paid out in SpearvilleFord County only

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.

Were you here?

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

Add to the Spearville archive →
Be ready

Get ready for what Spearville 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 ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Hail
  • 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.
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 Spearville

Is Spearville 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?

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

By FEMA money that reached Spearville, Severe Winter Storm (2006): $6K to the City of Spearville for repairs.

Storm stories

Memories, warnings and help from neighbors in Spearville.

Town Square →
Start the conversation

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