Pennsylvania Railroad District · Photo: Smallbones · CC0Storms, floods and disasters in Spruce Creek Township
Spruce Creek Township isn’t graded for hazard risk: Spruce Creek Township has 160 residents; we grade towns of 1,000 or more. Flood insurance has paid 11 claims here since 1979.
What Spruce Creek 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.
Does Spruce Creek Township flood? Sometimes: 11 flood claims since 1979
Every paid claim on a federal flood insurance policy in Spruce Creek Township, from FEMA’s records.
- Tropical Storm Ivan7 claims · $60K
Spruce Creek 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: Huntingdon County.1 federal disaster brought FEMA money to Spruce Creek Township
Disasters that paid out in Spruce Creek Township itself (aid to households or repair grants to Spruce Creek Township), newest first, with that year’s flood claims.
- 2004Tropical Depression Ivan11 households applied for aid$6K aid approved7 flood claims paid for it, $60K
Huntingdon County has had 13 natural disasters declared by the President since 1953, most often floods, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Spruce Creek Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Spruce Creek Township archive →Spruce Creek Township and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Tyrone Township | Bless damage than 62% | river and rain flooding | 1 |
| Warriors Mark Township | C+more damage than 63% | river and rain flooding | 2 |
| Porter Township | Cmore damage than 68% | river and rain flooding | 15 |
| Morris Township | — | 655 residents; we grade 1,000+ | |
| Franklin Township | — | 431 residents; we grade 1,000+ | |
| Logan Township | — | 730 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 Spruce Creek 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 Spruce Creek Township
Does Spruce Creek Township flood?
Flood insurance has paid 11 claims in Spruce Creek Township since 1979, $66K in all. The most claims came from Tropical Storm Ivan (7).
Is Spruce Creek 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 Huntingdon County, 17% of homes in mapped flood zones carry federal flood insurance, and 1.3% of all homes do.
How much is flood insurance in Spruce Creek Township?
FEMA’s Community Rating System list shows no discount for Spruce Creek Township’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 Spruce Creek Township?
By FEMA money that reached Spruce Creek Township, Tropical Depression Ivan (2004): 11 households applied for aid, $6K approved. By flood claims, Tropical Storm Ivan: 7 paid, $60K.
Storm stories
Memories, warnings and help from neighbors in Spruce Creek Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Spruce Creek 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.