FEMA expects more hazard damage per building in Spring Township than in 70% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Spring Township gets a C for hazard risk: higher expected damage per building than 70% of U.S. towns. Most of that expected damage is river and rain flooding (60%), then wildfire (14%). 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 Spring 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
Wildfire
Tornadoes
Strong wind
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 Township’s grade
River and rain flooding is 60% of the building damage FEMA expects in Spring Township, and Spring Township’s rate of river and rain flooding damage is higher than 63% of U.S. census tracts. Wildfire adds 14%, at a rate in the top 4% of U.S. census tracts.
C higher expected damage per building than 70% of U.S. towns (21,298).
All of Spring Township’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.2M a year in losses across Spring Township: $832K to buildings, the rest to people and crops.
Does Spring Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Spring Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Spring 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: Butler County.11 federal disasters brought FEMA money to Spring Township
Disasters that paid out in Spring Township itself (aid to households or repair grants to Spring Township), newest first, with that year’s flood claims.
- 2024Severe Winter Storm$116K to Spring Township for repairs
- 2019Severe Storms, Straight-line Winds, Tornadoes, Flooding,landslides,and Mudslides$238K to Spring Township for repairs
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding$81K to Spring Township for repairs
- 2013Severe Storms, Straight-line Winds, Tornadoes, and Flooding$86K to Spring Township for repairs
- 2010Severe Storms, Flooding, and Tornadoes$13K to Spring Township for repairs
- 2009Severe Winter Storms and Snowstorm$74K to Spring Township for repairs
Show all 11
- 2009Severe Storms, Flooding, Straight-line Winds, and Tornadoes$14K to Spring Township for repairs
- 2008Severe Storms, Flooding, and Tornadoes$29K to Spring Township for repairs
- 2008Severe Storms, Flooding and Tornadoes$20K to Spring Township for repairs
- 2007Severe Storms and Flooding$43K to Spring Township for repairs
- 2004Severe Storms, Flooding, and Tornadoes$33K to Spring Township for repairs
Butler County has had 25 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.
Old photos of Spring Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Spring Township archive →Spring Township and its neighbors
Spring Township has the lowest expected damage per building of the 2 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Spring Township | Cmore damage than 70% | river and rain flooding | 0 |
| Augusta Township | C−more damage than 80% | river and rain flooding | — |
| El Dorado Township | — | 272 residents; we grade 1,000+ | |
| Bloomington Township | — | 497 residents; we grade 1,000+ | |
| Little Walnut Township | — | not graded yet | |
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 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.
- 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.
- 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Township
Is Spring Township at risk for natural disasters?
On FEMA’s National Risk Index, Spring Township has higher expected damage per building than 70% of U.S. towns: C for hazard risk. Most of the expected damage is river and rain flooding (60%) and wildfire (14%). 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 Spring 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 Butler County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Spring Township?
FEMA’s Community Rating System list shows no discount for Spring 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 Spring Township?
By FEMA money that reached Spring Township, Severe Storms, Straight-line Winds, Tornadoes, Flooding,landslides,and Mudslides (2019): $238K to Spring Township for repairs.
Is Spring Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (60%), and Spring Township’s rate for it is higher than 63% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Spring Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Spring 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.