Photo: Mr. Matté (if there is an issue with this image, contact me using this image's Commons talk page, my Commons user talk page, or my English Wikipedia user talk page; I'll know about it a lot faster) · CC BY-SA 4.0On FEMA’s figures, Springfield 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, Springfield gets a B− for hazard risk: higher expected damage per building than 54% of U.S. towns. Most of that expected damage is river and rain flooding (95%). 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 Springfield 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
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 Springfield’s grade
River and rain flooding is 95% of the building damage FEMA expects in Springfield, and Springfield’s rate of river and rain flooding damage is higher than 77% of U.S. census tracts.
B− higher expected damage per building than 54% of U.S. towns (21,298).
All of Springfield’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $707K a year in losses across Springfield: $554K to buildings, the rest to people and crops.
Does Springfield flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Springfield. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Springfield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Otsego County.6 federal disasters brought FEMA money to Springfield
Disasters that paid out in Springfield itself (aid to households or repair grants to the Town of Springfield), newest first, with that year’s flood claims.
- 2017Severe Winter Storm and Snowstorm$7K to the Town of Springfield for repairs
- 2013Severe Storms and Flooding$16K to the Town of Springfield for repairs
- 2011Hurricane Irene$13K to the Town of Springfield for repairs
- 2006Severe Storms and Flooding$244K to the Town of Springfield for repairs
- 2003Ice Storm$6K to the Town of Springfield for repairs
- 2002Snowstorms$13K to the Town of Springfield for repairs
Otsego 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; the 2001 World Trade Center declarations.
Old photos of Springfield after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Springfield archive →Springfield and its neighbors
Springfield is 3rd of the 6 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Warren | B−less damage than 50% | river and rain flooding | — |
| Cherry Valley | B−more damage than 54% | river and rain flooding | — |
| Springfield | B−more damage than 54% | river and rain flooding | 0 |
| Otsego | Cmore damage than 66% | river and rain flooding | 8 |
| Richfield | C−more damage than 78% | river and rain flooding | 15 |
| Middlefield | C−more damage than 81% | river and rain flooding | 4 |
| Stark | — | 685 residents; we grade 1,000+ | |
| Springfield Center | — | 244 residents; we grade 1,000+ | |
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 Springfield 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.
- 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 Springfield
Is Springfield at risk for natural disasters?
On FEMA’s National Risk Index, Springfield has higher expected damage per building than 54% of U.S. towns: B− for hazard risk. Most of the expected damage is river and rain flooding (95%). 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 Springfield 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 Otsego County, 18% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.
How much is flood insurance in Springfield?
FEMA’s Community Rating System list shows no discount for Springfield’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 Springfield?
By FEMA money that reached Springfield, Severe Storms and Flooding (2006): $244K to the Town of Springfield for repairs.
Is Springfield at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (95%), and Springfield’s rate for it is higher than 77% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Springfield.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Springfield’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.