Photo: Skabat169 · CC BY-SA 3.0FEMA expects less hazard damage per building in Springfield Township than in 92% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Springfield Township gets an A for hazard risk: lower expected damage per building than 92% of U.S. towns, #181 of 1,037 in Pennsylvania. Most of that expected damage is river and rain flooding (69%), then hurricanes (24%). FEMA’s files show no paid flood insurance claims here.
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 Springfield 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
Hurricanes
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 Springfield Township’s grade
River and rain flooding is 69% of the building damage FEMA expects in Springfield Township, and Springfield Township’s rate of river and rain flooding damage is lower than 84% of U.S. census tracts. Next is hurricanes at 24% (higher than 83% of U.S. census tracts).
A #181 of 1,037 in Pennsylvania; lower expected damage per building than 92% of U.S. towns (21,298).
Springfield 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, Springfield Township has less expected damage per building than 83% of Pennsylvania towns.
In dollars, FEMA expects about $1.1M a year in losses across Springfield Township: $810K to buildings, the rest to people and crops.
Does Springfield Township flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Springfield Township. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Springfield 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: York County.The storms Springfield Township remembers
None of the 17 disasters declared for York County shows FEMA aid or repair money reaching Springfield Township itself in FEMA’s records, so these are its biggest flood-claim years.
York County has had 17 natural disasters declared by the President since 1953, most often winter storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Springfield Township and its neighbors
Springfield Township has the lowest expected damage per building of the 6 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Springfield Township | Aless damage than 92% | river and rain flooding | 0 |
| York Township | A−less damage than 83% | river and rain flooding | 34 |
| North Codorus Township | A−less damage than 76% | river and rain flooding | 11 |
| Shrewsbury Township | B+less damage than 70% | river and rain flooding | 19 |
| Codorus Township | B+less damage than 68% | river and rain flooding | 24 |
| North Hopewell Township | B−less damage than 53% | river and rain flooding | 4 |
| Seven Valleys | — | 598 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.
Get ready for what Springfield 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.
- 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.
- 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 Springfield Township
Is Springfield Township at risk for natural disasters?
On FEMA’s National Risk Index, Springfield Township has lower expected damage per building than 92% of U.S. towns: A for hazard risk, #181 of 1,037 in Pennsylvania. Most of the expected damage is river and rain flooding (69%) and hurricanes (24%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Springfield 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 York County, 30% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Springfield Township?
FEMA’s Community Rating System list shows no discount for Springfield Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Springfield Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (69%), and Springfield Township’s rate for it is lower than 84% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Springfield Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Springfield 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.