Photo: Nyttend · Public domainLess hazard damage per building is expected in Springboro than in 75% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Springboro gets a B+ for hazard risk: lower expected damage per building than 75% of U.S. towns, #552 of 993 in Ohio. Most of that expected damage is river and rain flooding (80%), then tornadoes (10%). Flood insurance has paid 7 claims here since 1983.
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 stands out about Springboro’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Springboro 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
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 Springboro’s grade
River and rain flooding is 80% of the building damage FEMA expects in Springboro, and Springboro’s rate of river and rain flooding damage is lower than 54% of U.S. census tracts. Next is tornadoes at 10% (higher than 69% of U.S. census tracts).
B+ #552 of 993 in Ohio; lower expected damage per building than 75% of U.S. towns (21,298).
Springboro’s residents live in 6 census tracts; FEMA’s figures are combined by where they live.
The typical Ohio town has lower expected damage than 79% of U.S. towns; within the state, Springboro has more expected damage per building than 56% of Ohio towns.
In dollars, FEMA expects about $4.9M a year in losses across Springboro: $3.8M to buildings, the rest to people and crops.
Does Springboro flood? Rarely: 7 flood claims since 1983
Every paid claim on a federal flood insurance policy in Springboro, from FEMA’s records: 1.0 per 1,000 homes, fewer than 79% of the 13,809 U.S. towns with a flood insurance record.
Springboro isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Warren County.2 federal disasters brought FEMA money to Springboro
Disasters that paid out in Springboro itself (aid to households or repair grants to the City of Springboro), newest first, with that year’s flood claims.
- 2008Severe Wind Storm Associated with Tropical Depression Ike$154K to the City of Springboro for repairs
- 2004Snow$35K to the City of Springboro for repairs
Warren County has had 10 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Springboro after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Springboro archive →Springboro and its neighbors
Springboro is 4th 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 |
|---|---|---|---|
| Washington Township | Aless damage than 93% | river and rain flooding | 15 |
| Miami Township | A−less damage than 78% | river and rain flooding | 8 |
| Clear Creek Township | A−less damage than 77% | river and rain flooding | 13 |
| Springboro | B+less damage than 75% | river and rain flooding | 7 |
| Franklin | B−less damage than 52% | river and rain flooding | 8 |
| Franklin Township | C+more damage than 60% | river and rain flooding | 17 |
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 Springboro 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.
- 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 Springboro
Is Springboro at risk for natural disasters?
On FEMA’s National Risk Index, Springboro has lower expected damage per building than 75% of U.S. towns: B+ for hazard risk, #552 of 993 in Ohio. Most of the expected damage is river and rain flooding (80%) and tornadoes (10%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Springboro flood?
Flood insurance has paid 7 claims in Springboro since 1983, $336K in all, or 1.0 per 1,000 homes, fewer than 79% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.
Is Springboro 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 Warren County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Springboro?
FEMA’s Community Rating System list shows no discount for Springboro’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 Springboro?
By FEMA money that reached Springboro, Severe Wind Storm Associated with Tropical Depression Ike (2008): $154K to the City of Springboro for repairs.
Is Springboro at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (80%), and Springboro’s rate for it is lower than 54% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Springboro.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Springboro’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.