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Givin, Amelia S., Free LibraryGivin, Amelia S., Free Library · Photo: Doug Kerr · CC BY-SA 2.0
A−Hazard risk
Natural hazards in Mount Holly Springs · FEMA

FEMA expects less hazard damage per building in Mount Holly Springs than in 85% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Mount Holly Springs gets an A− for hazard risk: lower expected damage per building than 85% of U.S. towns. Most of that expected damage is river and rain flooding (79%), then hurricanes (12%). Flood insurance has paid 12 claims here since 1979.

River and rain flooding 79%Hurricanes 12%Tornadoes 5%

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 85%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
A−
in Pennsylvania · lower than 85% of U.S. towns
Main hazard
River and rain flooding
79% of expected building damage
Flood claims
12
paid since 1979 · $36K
Flooded more than once
1
properties
Disasters paid out here
2
of 15 declared for Cumberland County
By hazard

What Mount Holly Springs 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

79%of expected building damage
Below average · lower than 66% of U.S. census tracts
Recorded about 2 times a year in the area

Hurricanes

12%of expected building damage
Above average · higher than 79% of U.S. census tracts
Recorded about once every 13 years in the area
Smaller shares here
 Tornadoes Earthquakes Wildfire Strong wind Ice storms Lightning Hail Winter storms 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 Mount Holly Springs’ grade

River and rain flooding is 79% of the building damage FEMA expects in Mount Holly Springs, and Mount Holly Springs’ rate of river and rain flooding damage is lower than 66% of U.S. census tracts. Next is hurricanes at 12% (higher than 79% of U.S. census tracts).

Where Mount Holly Springs sits
Mount Holly Springs
Least damageMiddleMost damage

A− lower expected damage per building than 85% of U.S. towns (21,298).

All of Mount Holly Springs’ residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding79%Hurricanes12%Tornadoes5%Everything else4%

In dollars, FEMA expects about $546K a year in losses across Mount Holly Springs: $394K to buildings, the rest to people and crops.

Shared tract.All of Mount Holly Springs’ 1,995 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 Mount Holly Springs flood? Sometimes: 12 flood claims since 1979

Every paid claim on a federal flood insurance policy in Mount Holly Springs, from FEMA’s records: 13.3 per 1,000 homes, more than 78% of the 13,809 U.S. towns with a flood insurance record.

Paid flood claims, by year
1979: 1 claim1980: 0 claims1981: 0 claims1982: 0 claims1983: 0 claims1984: 2 claims1985: 0 claims1986: 0 claims1987: 0 claims1988: 0 claims1989: 0 claims1990: 0 claims1991: 0 claims1992: 0 claims1993: 1 claim1994: 0 claims1995: 0 claims1996: 6 claims1997: 0 claims1998: 0 claims1999: 0 claims2000: 0 claims2001: 0 claims2002: 0 claims2003: 0 claims2004: 0 claims2005: 0 claims2006: 1 claim2007: 0 claims2008: 0 claims2009: 0 claims2010: 0 claims2011: 1 claim2012: 0 claims2013: 0 claims2014: 0 claims2015: 0 claims2016: 0 claims2017: 0 claims2018: 0 claims2019: 0 claims2020: 0 claims2021: 0 claims2022: 0 claims2023: 0 claims2024: 0 claims2025: 0 claims2026: 0 claims197919841996
19792026
12
paid claims since 1979
$36K
paid to owners
1
homes flooded more than once
$3K
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

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

Insurance rates: Cumberland County.
Disasters

2 federal disasters brought FEMA money to Mount Holly Springs

Disasters that paid out in Mount Holly Springs itself (aid to households or repair grants to the Borough of Mount Holly Springs), newest first, with that year’s flood claims.

  1. 2011Tropical Storm Lee6 households applied for aid$5K aid approved1 flood claim paid that year
  2. 2004Tropical Depression Ivan4 households applied for aid$4K aid approved
Disasters declared, by decade
Paid out in Mount Holly SpringsCumberland County only

Cumberland County has had 15 natural disasters declared by the President since 1953, most often floods, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Were you here?

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

Add to the Mount Holly Springs archive →
Be ready

Get ready for what Mount Holly Springs 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 ↗
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 Mount Holly Springs

Is Mount Holly Springs at risk for natural disasters?

On FEMA’s National Risk Index, Mount Holly Springs has lower expected damage per building than 85% of U.S. towns: A− for hazard risk. Most of the expected damage is river and rain flooding (79%) and hurricanes (12%). 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 Mount Holly Springs flood?

Flood insurance has paid 12 claims in Mount Holly Springs since 1979, $36K in all, or 13.3 per 1,000 homes, more than 78% of U.S. towns with a flood insurance record. 1 properties have flooded more than once.

Is Mount Holly Springs 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 Cumberland County, 21% of homes in mapped flood zones carry federal flood insurance, and 0.7% of all homes do.

How much is flood insurance in Mount Holly Springs?

FEMA’s Community Rating System list shows no discount for Mount Holly Springs’ 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 Mount Holly Springs?

By FEMA money that reached Mount Holly Springs, Tropical Storm Lee (2011): 6 households applied for aid, $5K approved.

Is Mount Holly Springs at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (79%), and Mount Holly Springs’ rate for it is lower than 66% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Mount Holly Springs.

Town Square →
Start the conversation

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