Less hazard damage per building is expected in Springwater than in 69% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Springwater gets a B+ for hazard risk: lower expected damage per building than 69% of U.S. towns. Most of that expected damage is river and rain flooding (95%). Flood insurance has paid 4 claims here since 1993.
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 Springwater 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 Springwater’s grade
River and rain flooding is 95% of the building damage FEMA expects in Springwater, and Springwater’s rate of river and rain flooding damage is higher than 62% of U.S. census tracts.
B+ lower expected damage per building than 69% of U.S. towns (21,298).
Springwater’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $531K a year in losses across Springwater: $411K to buildings, the rest to people and crops.
Does Springwater flood? Rarely: 4 flood claims since 1993
Every paid claim on a federal flood insurance policy in Springwater, from FEMA’s records: 3.0 per 1,000 homes, fewer than 52% of the 13,809 U.S. towns with a flood insurance record.
Springwater isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Livingston County.4 federal disasters brought FEMA money to Springwater
Disasters that paid out in Springwater itself (aid to households or repair grants to the Town of Springwater), newest first, with that year’s flood claims.
- 2014Severe Storms and Flooding$115K to the Town of Springwater for repairs
- 2003Severe Storms, Flooding, and Tornadoes2 households applied for aid$1K aid approved
- 2003Ice Storm$9K to the Town of Springwater for repairs
- 1999Snow$7K to the Town of Springwater for repairs
Livingston County has had 14 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 Springwater after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Springwater archive →Springwater and its neighbors
Springwater is 2nd 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 |
|---|---|---|---|
| Canadice | Aless damage than 89% | river and rain flooding | 4 |
| Springwater | B+less damage than 69% | river and rain flooding | 4 |
| Wayland | B+less damage than 67% | river and rain flooding | 2 |
| Sparta | Cmore damage than 67% | river and rain flooding | 1 |
| Conesus | Cmore damage than 73% | river and rain flooding | 6 |
| Naples | C−more damage than 82% | river and rain flooding | 3 |
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 Springwater 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 Springwater
Is Springwater at risk for natural disasters?
On FEMA’s National Risk Index, Springwater has lower expected damage per building than 69% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (95%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Springwater flood?
Flood insurance has paid 4 claims in Springwater since 1993, $39K in all, or 3.0 per 1,000 homes, fewer than 52% of U.S. towns with a flood insurance record.
Is Springwater 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 Livingston County, 0.8% of all homes carry federal flood insurance.
How much is flood insurance in Springwater?
FEMA’s Community Rating System list shows no discount for Springwater’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 Springwater?
By FEMA money that reached Springwater, Severe Storms and Flooding (2014): $115K to the Town of Springwater for repairs.
Is Springwater at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (95%), and Springwater’s rate for it is higher than 62% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Springwater.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Springwater’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.