On FEMA’s figures, Spring Grove faces about as much hazard damage per building as the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Spring Grove gets a C+ for hazard risk: higher expected damage per building than 60% of U.S. towns. Most of that expected damage is river and rain flooding (79%), then tornadoes (12%). 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 Grove 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 Spring Grove’s grade
River and rain flooding is 79% of the building damage FEMA expects in Spring Grove, and Spring Grove’s rate of river and rain flooding damage is higher than 71% of U.S. census tracts. Lightning adds 1%, at a rate in the top 1% of U.S. census tracts.
C+ higher expected damage per building than 60% of U.S. towns (21,298).
All of Spring Grove’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $1.0M a year in losses across Spring Grove: $685K to buildings, the rest to people and crops.
Does Spring Grove flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Spring Grove. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Spring Grove isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Houston County.1 federal disaster brought FEMA money to Spring Grove
Disasters that paid out in Spring Grove itself (aid to households or repair grants to the City of Spring Grove), newest first, with that year’s flood claims.
- 2007Severe Storms and Flooding15 households applied for aid$20K aid approved$9K to the City of Spring Grove for repairs
Houston County has had 18 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Spring Grove after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Spring Grove archive →Spring Grove and its neighbors
Spring Grove 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 |
|---|---|---|---|
| Spring Grove | C+more damage than 60% | river and rain flooding | 0 |
| Spring Grove Township | — | 274 residents; we grade 1,000+ | |
| Wilmington Township | — | 385 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 Grove 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 Spring Grove
Is Spring Grove at risk for natural disasters?
On FEMA’s National Risk Index, Spring Grove has higher expected damage per building than 60% of U.S. towns: C+ for hazard risk. Most of the expected damage is river and rain flooding (79%) and tornadoes (12%). 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 Grove 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 Houston County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Spring Grove?
FEMA’s Community Rating System list shows no discount for Spring Grove’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 Grove?
By FEMA money that reached Spring Grove, Severe Storms and Flooding (2007): 15 households applied for aid, $20K approved, and $9K to the City of Spring Grove for repairs.
Is Spring Grove at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (79%), and Spring Grove’s rate for it is higher than 71% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Spring Grove.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Spring Grove’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.