FEMA expects more hazard damage per building in Spring City than in 67% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Spring City gets a C for hazard risk: higher expected damage per building than 67% of U.S. towns, #901 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (91%). Flood insurance has paid 7 claims here since 1978.
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 City 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 City’s grade
River and rain flooding is 91% of the building damage FEMA expects in Spring City, and Spring City’s rate of river and rain flooding damage is higher than 82% of U.S. census tracts.
C #901 of 1,037 in Pennsylvania; higher expected damage per building than 67% of U.S. towns (21,298).
All of Spring City’s residents live in one census tract; the figures are that tract’s.
The typical Pennsylvania town has lower expected damage than 71% of U.S. towns; within the state, Spring City has more expected damage per building than 87% of Pennsylvania towns.
In dollars, FEMA expects about $1.1M a year in losses across Spring City: $929K to buildings, the rest to people and crops.
Does Spring City flood? Rarely: 7 flood claims since 1978
Every paid claim on a federal flood insurance policy in Spring City, from FEMA’s records: 3.3 per 1,000 homes, more than 51% of the 13,809 U.S. towns with a flood insurance record.
Spring City isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Chester County.3 federal disasters brought FEMA money to Spring City
Disasters that paid out in Spring City itself (aid to households or repair grants to the Borough of Spring City), newest first, with that year’s flood claims.
- 2021Remnants of Hurricane Ida41 households applied for aid$33K aid approved
- 2011Hurricane Irene15 households applied for aid$13K aid approved
- 2006Severe Storms, Flooding, and Mudslides12 households applied for aid$35K aid approved2 flood claims paid that year
Chester County has had 21 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Spring City after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Spring City archive →Spring City and its neighbors
Spring City is 4th 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 |
|---|---|---|---|
| East Vincent Township | A−less damage than 78% | river and rain flooding | 25 |
| East Pikeland Township | B+less damage than 71% | river and rain flooding | 7 |
| Upper Providence Township | B+less damage than 71% | river and rain flooding | 418 |
| Spring City | Cmore damage than 67% | river and rain flooding | 7 |
| Royersford | Cmore damage than 73% | river and rain flooding | 10 |
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 City 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 City
Is Spring City at risk for natural disasters?
On FEMA’s National Risk Index, Spring City has higher expected damage per building than 67% of U.S. towns: C for hazard risk, #901 of 1,037 in Pennsylvania. 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 Spring City flood?
Flood insurance has paid 7 claims in Spring City since 1978, $98K in all, or 3.3 per 1,000 homes, more than 51% of U.S. towns with a flood insurance record.
Is Spring City 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 Chester County, 40% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Spring City?
FEMA’s Community Rating System list shows no discount for Spring City’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 Spring City?
By FEMA money that reached Spring City, Severe Storms, Flooding, and Mudslides (2006): 12 households applied for aid, $35K approved.
Is Spring City at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (91%), and Spring City’s rate for it is higher than 82% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Spring City.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Spring City’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.