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–Not graded
Natural hazards in Mill Spring · FEMA

Storms, floods and disasters in Mill Spring

Mill Spring isn’t graded for hazard risk: Mill Spring has 145 residents; we grade towns of 1,000 or more. Flood insurance has paid 2 claims here since 2011.

Flood claims
2
paid since 2011 · $8K
Disasters paid out here
4
of 23 declared for Wayne County
By hazard

What Mill Spring 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

83%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about 4 times a year in the area

Earthquakes

8%of expected building damage
Well above average · higher than 84% of U.S. census tracts
Smaller shares here
 Tornadoes top 5% Strong wind top 5% Ice storms top 4% Hail Winter storms top 1% Wildfire Landslides top 2% Hurricanes Cold waves Heat waves Lightning
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 19% of Mill Spring’s expected losses. Cold waves do 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 Mill Spring flood? Rarely: 2 flood claims since 2011

Every paid claim on a federal flood insurance policy in Mill Spring, from FEMA’s records.

Paid flood claims, by year
2011: 2 claims2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims2011
20112026
Biggest named events
  • The Mid-spring storms2 claims · $8K
2
paid claims since 2011
$8K
paid to owners
0
homes flooded more than once
$4K
average claim
of homes in flood zones are insured
of all homes are insured
No community discount

Mill Spring isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Wayne County.
Disasters

4 federal disasters brought FEMA money to Mill Spring

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

  1. 2025Severe Storms, Straight-line Winds, Tornadoes, and Wildfires7 households applied for aid$13K aid approved
  2. 2017Severe Storms, Tornadoes, Straight-line Winds and Flooding2 households applied for aid$1K aid approved$167K to the Village of Mill Spring for repairs
  3. 2011Severe Storms, Tornadoes, and Flooding12 households applied for aid$40K aid approved2 flood claims paid that year
  4. 2008Severe Storms and Flooding27 households applied for aid$65K aid approved$18K to the Village of Mill Spring for repairs
Disasters declared, by decade
Paid out in Mill SpringWayne County only

Wayne County has had 23 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.

Were you here?

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

Add to the Mill Spring archive →
Be ready

Get ready for what Mill Spring 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 ↗
Earthquakes
  • Drop, cover and hold on.
  • Strap tall furniture and the water heater to the wall.
  • Know how to shut off the gas.
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 Mill Spring

Does Mill Spring flood?

Flood insurance has paid 2 claims in Mill Spring since 2011, $8K in all. The most claims came from Mid-spring storms (2).

Is Mill Spring 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 Wayne County, 7% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.

How much is flood insurance in Mill Spring?

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

By FEMA money that reached Mill Spring, Severe Storms, Tornadoes, Straight-line Winds and Flooding (2017): 2 households applied for aid, $1K approved, and $167K to the Village of Mill Spring for repairs. By flood claims, Mid-spring storms: 2 paid, $8K.

Storm stories

Memories, warnings and help from neighbors in Mill Spring.

Town Square →
Start the conversation

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