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Coolspring Township, Mercer Co., PA municipal building, June 2024Photo: 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 4.0
B+Hazard risk
Natural hazards in Coolspring Township · FEMA

Less hazard damage per building is expected in Coolspring Township than in 68% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Coolspring Township gets a B+ for hazard risk: lower expected damage per building than 68% of U.S. towns. Most of that expected damage is river and rain flooding (91%). Flood insurance has paid 2 claims here since 2014.

River and rain flooding 91%Tornadoes 3%Hail 2%

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 68%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B+
in Pennsylvania · lower than 68% of U.S. towns
Main hazard
River and rain flooding
91% of expected building damage
Flood claims
2
paid since 2014 · $26K
Flooded more than once
1
properties
Flood claims per home
2 per 1,000
fewer than 62% of U.S. towns
By hazard

What Coolspring Township 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

91%of expected building damage
Above average · higher than 60% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Tornadoes Hail Strong wind Hurricanes Earthquakes Winter storms Wildfire Ice storms Cold waves Heat waves Landslides Lightning
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 Coolspring Township’s grade

River and rain flooding is 91% of the building damage FEMA expects in Coolspring Township, and Coolspring Township’s rate of river and rain flooding damage is higher than 60% of U.S. census tracts.

Where Coolspring Township sits
Coolspring Township
Least damageMiddleMost damage

B+ lower expected damage per building than 68% of U.S. towns (21,298).

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

What drives the damage to buildings
River and rain flooding91%Tornadoes3%Everything else6%

In dollars, FEMA expects about $772K a year in losses across Coolspring Township: $725K to buildings, the rest to people and crops.

Shared tract.All of Coolspring Township’s 2,107 residents (2020 census) live in one census tract, which it shares with Jefferson township (1,919 residents) and East Lackawannock township (1,669 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the township’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 Coolspring Township flood? Rarely: 2 flood claims since 2014

Every paid claim on a federal flood insurance policy in Coolspring Township, from FEMA’s records: 2.0 per 1,000 homes, fewer than 62% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
2014: 1 claim2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 1 claim2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims20142019
20142026
2
paid claims since 2014
$26K
paid to owners
1
homes flooded more than once
$13K
average claim
Homes that flooded again and again
FEMA “severe repetitive loss” (0)Flooded 2+ times
of homes in flood zones are insured
of all homes are insured
No community discount

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

Insurance rates: Mercer County.
Disasters

The storms Coolspring Township remembers

None of the 10 disasters declared for Mercer County shows FEMA aid or repair money reaching Coolspring Township itself in FEMA’s records, so these are its biggest flood-claim years.

  1. 20141 flood claims paidNo declaration for the county that year
  2. 20191 flood claims paidNo declaration for the county that year
Disasters declared, by decade
Paid out in Coolspring TownshipMercer County only

Mercer 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.

Were you here?

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

Add to the Coolspring Township archive →
Next door

Coolspring Township and its neighbors

Coolspring Township is 3rd of the 6 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.

Mercer: hazard risk BFairview Township: not gradedFindley Township: hazard risk BJackson Township: hazard risk BJefferson Township: hazard risk B+East Lackawannock Township: hazard risk B+Lake Township: not gradedMercerFairview TownshipFindley TownshipJackson TownshipJefferson TownshipEast Lackawannock TownshipLake TownshipCoolspring Township
Lowest fifthSecondMiddleFourthHighest fifth
TownHazard riskMostly (buildings)Flood claims
Jefferson TownshipB+less damage than 68%river and rain flooding2
East Lackawannock TownshipB+less damage than 68%river and rain flooding—
Coolspring TownshipB+less damage than 68%river and rain flooding2
Jackson TownshipBless damage than 65%river and rain flooding—
MercerBless damage than 59%river and rain flooding3
Findley TownshipBless damage than 58%river and rain flooding2
Fairview Township—913 residents; we grade 1,000+
Lake Township—702 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.

Be ready

Get ready for what Coolspring Township 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 ↗
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 Coolspring Township

Is Coolspring Township at risk for natural disasters?

On FEMA’s National Risk Index, Coolspring Township has lower expected damage per building than 68% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (91%). 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.

Does Coolspring Township flood?

Flood insurance has paid 2 claims in Coolspring Township since 2014, $26K in all, or 2.0 per 1,000 homes, fewer than 62% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.

Is Coolspring Township 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 Mercer County, 9% of homes in mapped flood zones carry federal flood insurance, and 0.1% of all homes do.

How much is flood insurance in Coolspring Township?

FEMA’s Community Rating System list shows no discount for Coolspring Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.

Is Coolspring Township at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (91%), and Coolspring Township’s rate for it is higher than 60% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Coolspring Township.

Town Square →
Start the conversation

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