Photo: Brian Stansberry · CC BY 4.0FEMA puts Boiling Springs’s expected hazard damage per building below that of 74% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Boiling Springs gets a B+ for hazard risk: lower expected damage per building than 74% of U.S. towns, #38 of 290 in North Carolina. Most of that expected damage is river and rain flooding (71%), then tornadoes (11%). 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 Boiling 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
Earthquakes
Ice storms
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 Boiling Springs’ grade
River and rain flooding is 71% of the building damage FEMA expects in Boiling Springs, and Boiling Springs’ rate of river and rain flooding damage is lower than 63% of U.S. census tracts. Ice storms add 6%, at a rate in the top 4% of U.S. census tracts.
B+ #38 of 290 in North Carolina; lower expected damage per building than 74% of U.S. towns (21,298).
Boiling Springs’ residents live in 3 census tracts; FEMA’s figures are combined by where they live.
The typical North Carolina town has lower expected damage than 51% of U.S. towns; within the state, Boiling Springs has less expected damage per building than 87% of North Carolina towns.
In dollars, FEMA expects about $1.1M a year in losses across Boiling Springs: $847K to buildings, the rest to people and crops.
Does Boiling Springs flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Boiling Springs. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Boiling Springs isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cleveland County.2 federal disasters brought FEMA money to Boiling Springs
Disasters that paid out in Boiling Springs itself (aid to households or repair grants to the Town of Boiling Springs), newest first, with that year’s flood claims.
- 2024Tropical Storm Helene12 households applied for aid$4K aid approved$661K to the Town of Boiling Springs for repairs
- 2002Severe Ice Storm$21K to the Town of Boiling Springs for repairs
Cleveland County has had 16 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Boiling Springs after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Boiling Springs archive →Get ready for what Boiling 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.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- 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 Boiling Springs
Is Boiling Springs at risk for natural disasters?
On FEMA’s National Risk Index, Boiling Springs has lower expected damage per building than 74% of U.S. towns: B+ for hazard risk, #38 of 290 in North Carolina. Most of the expected damage is river and rain flooding (71%) and tornadoes (11%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Boiling 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. In Cleveland County, 23% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.
How much is flood insurance in Boiling Springs?
FEMA’s Community Rating System list shows no discount for Boiling 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 Boiling Springs?
By FEMA money that reached Boiling Springs, Tropical Storm Helene (2024): 12 households applied for aid, $4K approved, and $661K to the Town of Boiling Springs for repairs.
Is Boiling Springs at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (71%), and Boiling Springs’ rate for it is lower than 63% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Boiling Springs.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Boiling 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.