Photo: Famartin · CC BY-SA 4.0Storms, floods and disasters in Three Springs
Three Springs isn’t graded for hazard risk: Three Springs has 404 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 1996.
What Three Springs 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 Three Springs flood? Rarely: 1 flood claim since 1996
Every paid claim on a federal flood insurance policy in Three Springs, from FEMA’s records.
Three Springs 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.3 federal disasters brought FEMA money to Three Springs
Disasters that paid out in Three Springs itself (aid to households or repair grants to the Borough of Three Springs), newest first, with that year’s flood claims.
- 2011Tropical Storm Lee17 households applied for aid$33K aid approved
- 2004Tropical Depression Ivan26 households applied for aid$80K aid approved
- 2004Severe Storms and Flooding Associated with Tropical Depression Frances3 households applied for aid$8K aid approved
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 Three Springs after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Three Springs archive →Get ready for what Three Springs 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 Three Springs
Does Three Springs flood?
Flood insurance has paid 1 claim in Three Springs since 1996, $5K in all.
Is Three Springs 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 Three Springs?
FEMA’s Community Rating System list shows no discount for Three Springs’ 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 Three Springs?
By FEMA money that reached Three Springs, Tropical Depression Ivan (2004): 26 households applied for aid, $80K approved.
Storm stories
Memories, warnings and help from neighbors in Three Springs.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Three Springs’ 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.