Logan Furnace Mansion · Photo: Pubdog · Public domainFEMA expects less hazard damage per building in Spring Township than in 93% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Spring Township gets an A for hazard risk: lower expected damage per building than 93% of U.S. towns, #161 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (90%). Flood insurance has paid 1 claim here since 2018.
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 Spring 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
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 Spring Township’s grade
River and rain flooding is 90% of the building damage FEMA expects in Spring Township, and Spring Township’s rate of river and rain flooding damage is lower than 68% of U.S. census tracts.
A #161 of 1,037 in Pennsylvania; lower expected damage per building than 93% of U.S. towns (21,298).
Spring Township’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
The typical Pennsylvania town has lower expected damage than 71% of U.S. towns; within the state, Spring Township has less expected damage per building than 85% of Pennsylvania towns.
In dollars, FEMA expects about $1.2M a year in losses across Spring Township: $980K to buildings, the rest to people and crops.
Does Spring Township flood? Rarely: 1 flood claim since 2018
Every paid claim on a federal flood insurance policy in Spring Township, from FEMA’s records: 0.3 per 1,000 homes, fewer than 95% of the 13,809 U.S. towns with a flood insurance record.
Spring 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: Centre County.The storms Spring Township remembers
None of the 12 disasters declared for Centre County shows FEMA aid or repair money reaching Spring Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 20181 flood claims paidNo declaration for the county that year
Centre County has had 12 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Spring Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Spring Township archive →Spring Township and its neighbors
Spring Township is 2nd of the 5 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 |
|---|---|---|---|
| Benner Township | A+among the lowest damage | river and rain flooding | 6 |
| Spring Township | Aless damage than 93% | river and rain flooding | 1 |
| Walker Township | A−less damage than 77% | river and rain flooding | 57 |
| Potter Township | Bless damage than 62% | river and rain flooding | — |
| Boggs Township | Cmore damage than 66% | river and rain flooding | 57 |
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 Spring 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.
- 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 Spring Township
Is Spring Township at risk for natural disasters?
On FEMA’s National Risk Index, Spring Township has lower expected damage per building than 93% of U.S. towns: A for hazard risk, #161 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (90%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Spring Township flood?
Flood insurance has paid 1 claim in Spring Township since 2018, $1K in all, or 0.3 per 1,000 homes, fewer than 95% of U.S. towns with a flood insurance record.
Is Spring 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 Centre County, 14% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Spring Township?
FEMA’s Community Rating System list shows no discount for Spring Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Spring Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (90%), and Spring Township’s rate for it is lower than 68% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Spring Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Spring 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.