Guest, Sign inJoin

Post to Spring Hope

We’ll email a one-tap link to publish your post. No password, and nothing is public until you click it.
Already a member? Sign in
A−Hazard risk
Natural hazards in Spring Hope · FEMA

Less hazard damage per building is expected in Spring Hope than in 76% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Spring Hope gets an A− for hazard risk: lower expected damage per building than 76% of U.S. towns. Most of that expected damage is river and rain flooding (56%), then hurricanes (25%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 56%Hurricanes 25%Tornadoes 11%

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

less than 76%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A−
in North Carolina · lower than 76% of U.S. towns
Main hazard
River and rain flooding
56% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
6
of 22 declared for Nash County
By hazard

What Spring Hope 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

56%of expected building damage
Well below average · lower than 80% of U.S. census tracts
Recorded about once a year in the area

Hurricanes

25%of expected building damage
Well above average · higher than 84% of U.S. census tracts
Recorded about once every 5 years in the area

Tornadoes

11%of expected building damage
Above average · higher than 70% of U.S. census tracts
Smaller shares here
 Earthquakes Hail Strong wind Ice storms Winter storms Lightning Wildfire Cold waves Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.
Hazard risk grade

What’s behind Spring Hope’s grade

River and rain flooding is 56% of the building damage FEMA expects in Spring Hope, and Spring Hope’s rate of river and rain flooding damage is lower than 80% of U.S. census tracts. Next is hurricanes at 25% (higher than 84% of U.S. census tracts).

Where Spring Hope sits
Spring Hope
Least damageMiddleMost damage

A− lower expected damage per building than 76% of U.S. towns (21,298).

All of Spring Hope’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding56%Hurricanes25%Tornadoes11%Everything else8%

In dollars, FEMA expects about $353K a year in losses across Spring Hope: $192K to buildings, the rest to people and crops.

Shared tract.All of Spring Hope’s 1,309 residents (2020 census) live in one census tract. FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Spring Hope flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Spring Hope. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Nash County.
Disasters

6 federal disasters brought FEMA money to Spring Hope

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

  1. 2024Tropical Storm Helene6 households applied for aid$600 aid approved
  2. 2016Hurricane Matthew55 households applied for aid$60K aid approved$33K to the Town of Spring Hope for repairs
  3. 2011Hurricane Irene29 households applied for aid$6K aid approved$25K to the Town of Spring Hope for repairs
  4. 2003Hurricane Isabel34 households applied for aid$20K aid approved$11K to the Town of Spring Hope for repairs
  5. 2002Severe Ice Storm$78K to the Town of Spring Hope for repairs
  6. 1999Hurricane Floyd Major Disaster Declarations$27K to the Town of Spring Hope for repairs
Disasters declared, by decade
Paid out in Spring HopeNash County only

Nash County has had 22 natural disasters declared by the President since 1953, most often hurricanes and tropical storms, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

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

Add to the Spring Hope archive →
Be ready

Get ready for what Spring Hope 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 ↗
Hurricane season
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
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 Spring Hope

Is Spring Hope at risk for natural disasters?

On FEMA’s National Risk Index, Spring Hope has lower expected damage per building than 76% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (56%) and hurricanes (25%). 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 Hope 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 Nash County, 49% of homes in mapped flood zones carry federal flood insurance, and 1.4% of all homes do.

How much is flood insurance in Spring Hope?

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

By FEMA money that reached Spring Hope, Hurricane Matthew (2016): 55 households applied for aid, $60K approved, and $33K to the Town of Spring Hope for repairs.

Is Spring Hope at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (56%), and Spring Hope’s rate for it is lower than 80% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Spring Hope.

Town Square →
Start the conversation

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