Photo: Jet Lowe · Public domainStorms, floods and disasters in Spruce Hill Township
Spruce Hill Township isn’t graded for hazard risk: Spruce Hill Township has 818 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 1996.
What Spruce Hill 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.
Does Spruce Hill Township flood? Rarely: 1 flood claim since 1996
Every paid claim on a federal flood insurance policy in Spruce Hill Township, from FEMA’s records.
Spruce Hill 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: Juniata County.The storms Spruce Hill Township remembers
None of the 15 disasters declared for Juniata County shows FEMA aid or repair money reaching Spruce Hill Township itself in FEMA’s records, so these are its biggest flood-claim years.
- 19961 flood claims paidThe year of Flooding Associated with Tropical Depression Fran, declared for Juniata County
Juniata 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.
Old photos of Spruce Hill Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Spruce Hill Township archive →Spruce Hill 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 |
|---|---|---|---|
| Saville Township | C+more damage than 60% | river and rain flooding | 11 |
| Milford Township | C−more damage than 78% | river and rain flooding | — |
| Tuscarora Township | C−more damage than 80% | river and rain flooding | — |
| Beale Township | — | 756 residents; we grade 1,000+ | |
| Northeast Madison Township | — | 845 residents; we grade 1,000+ | |
| Turbett Township | — | 920 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 Hill 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 Spruce Hill Township
Does Spruce Hill Township flood?
Flood insurance has paid 1 claim in Spruce Hill Township since 1996, $4K in all.
Is Spruce Hill 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 Juniata County, 7% of homes in mapped flood zones carry federal flood insurance, and 0.6% of all homes do.
How much is flood insurance in Spruce Hill Township?
FEMA’s Community Rating System list shows no discount for Spruce Hill Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Storm stories
Memories, warnings and help from neighbors in Spruce Hill Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Spruce Hill 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.