On FEMA’s figures, Spout Springs 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, Spout Springs gets a C+ for hazard risk: higher expected damage per building than 56% of U.S. towns, #171 of 290 in North Carolina. Most of that expected damage is river and rain flooding (68%), then hurricanes (19%). Flood insurance has paid 2 claims here since 1996.
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 Spout 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
Hurricanes
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.
What’s behind Spout Springs’ grade
River and rain flooding is 68% of the building damage FEMA expects in Spout Springs, and Spout Springs’ rate of river and rain flooding damage is higher than 60% of U.S. census tracts. Next is hurricanes at 19% (higher than 84% of U.S. census tracts).
C+ #171 of 290 in North Carolina; higher expected damage per building than 56% of U.S. towns (21,298).
Spout Springs’ residents live in 2 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, Spout Springs has more expected damage per building than 59% of North Carolina towns.
In dollars, FEMA expects about $3.2M a year in losses across Spout Springs: $2.3M to buildings, the rest to people and crops.
Does Spout Springs flood? Rarely: 2 flood claims since 1996
Every paid claim on a federal flood insurance policy in Spout Springs, from FEMA’s records: 0.5 per 1,000 homes, fewer than 89% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Fran1 claim · $25K
- Hurricane Matthew1 claim · $2K
Spout 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: Harnett County.The storms Spout Springs remembers
None of the 18 disasters declared for Harnett County shows FEMA aid or repair money reaching Spout Springs itself in FEMA’s records, so these are its biggest flood-claim years.
- 19961 flood claims paidThe year of Hurricane Fran, declared for Harnett County
- 20161 flood claims paidThe year of Hurricane Matthew, declared for Harnett County
Harnett County has had 18 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 Spout Springs after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Spout Springs archive →Spout Springs and its neighbors
Spout Springs 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 |
|---|---|---|---|
| Spout Springs | C+more damage than 56% | river and rain flooding | 2 |
| Barbecue | C+more damage than 57% | river and rain flooding | — |
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 Spout 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.
- The season runs June through November and peaks from mid-August to mid-October.
- Bring in porch furniture and anything the wind can throw.
- Fill the gas tank and charge phones before the storm arrives.
- 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 Spout Springs
Is Spout Springs at risk for natural disasters?
On FEMA’s National Risk Index, Spout Springs has higher expected damage per building than 56% of U.S. towns: C+ for hazard risk, #171 of 290 in North Carolina. Most of the expected damage is river and rain flooding (68%) and hurricanes (19%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Spout Springs flood?
Flood insurance has paid 2 claims in Spout Springs since 1996, $27K in all, or 0.5 per 1,000 homes, fewer than 89% of U.S. towns with a flood insurance record. The most claims came from Hurricane Fran (1).
Is Spout 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 Harnett County, 49% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.
How much is flood insurance in Spout Springs?
FEMA’s Community Rating System list shows no discount for Spout 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 Spout Springs?
By flood claims, Hurricane Fran: 1 paid, $25K.
Is Spout Springs at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (68%), and Spout Springs’ rate for it is higher than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Spout Springs.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Spout 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.