Storms, floods and disasters in Lock Springs
Lock Springs isn’t graded for hazard risk: Lock Springs has 49 residents; we grade towns of 1,000 or more.
What Lock Springs 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
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.
Does Lock Springs flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Lock Springs. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
2 federal disasters brought FEMA money to Lock Springs
Disasters that paid out in Lock Springs itself (aid to households or repair grants to the Village of Lock Springs), newest first, with that year’s flood claims.
- 2010Severe Storms, Flooding, and Tornadoes$2K to the Village of Lock Springs for repairs
- 2007Severe Storms and Flooding1 households applied for aid$6K aid approved
Daviess County has had 20 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 Lock Springs after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Lock Springs archive →Get ready for what Lock Springs 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.
- 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 Lock Springs
Is Lock Springs 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.
How much is flood insurance in Lock Springs?
FEMA’s Community Rating System list shows no discount for Lock Springs’ 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 Lock Springs?
By FEMA money that reached Lock Springs, Severe Storms and Flooding (2007): 1 households applied for aid, $6K approved.
Storm stories
Memories, warnings and help from neighbors in Lock Springs.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Lock Springs’ 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.