Photo: Skye Marthaler · CC BY-SA 3.0FEMA expects about as much hazard damage per building in Spring Hill as in the typical U.S. town, mostly from river and rain flooding
On FEMA’s National Risk Index, Spring Hill gets a C+ for hazard risk: higher expected damage per building than 58% of U.S. towns, #102 of 177 in Tennessee. Most of that expected damage is river and rain flooding (76%), then tornadoes (12%). Flood insurance has paid 10 claims here since 2010.
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 Hill 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
Tornadoes
Earthquakes
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 Hill’s grade
River and rain flooding is 76% of the building damage FEMA expects in Spring Hill, and Spring Hill’s rate of river and rain flooding damage is higher than 69% of U.S. census tracts. Next is tornadoes at 12% (higher than 88% of U.S. census tracts).
C+ #102 of 177 in Tennessee; higher expected damage per building than 58% of U.S. towns (21,298).
Spring Hill’s residents live in 10 census tracts; FEMA’s figures are combined by where they live.
The typical Tennessee town has higher expected damage than 53% of U.S. towns; within the state, Spring Hill has more expected damage per building than 57% of Tennessee towns.
In dollars, FEMA expects about $16.7M a year in losses across Spring Hill: $9.2M to buildings, the rest to people and crops.
Does Spring Hill flood? Sometimes: 10 flood claims since 2010
Every paid claim on a federal flood insurance policy in Spring Hill, from FEMA’s records: 0.5 per 1,000 homes, fewer than 90% of the 13,809 U.S. towns with a flood insurance record.
- The Late spring storms7 claims · $128K
Spring Hill isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Williamson County.7 federal disasters brought FEMA money to Spring Hill
Disasters that paid out in Spring Hill itself (aid to households or repair grants to the City of Spring Hill), newest first, with that year’s flood claims.
- 2026Severe Winter Storm16 households applied for aid$104K to the City of Spring Hill for repairs
- 2024Severe Storms, Tornadoes, and Flooding$4K to the City of Spring Hill for repairs
- 2022Severe Winter Storm$7K to the City of Spring Hill for repairs
- 2021Severe Storms, Tornadoes, and Flooding6 households applied for aid$90K to the City of Spring Hill for repairs
- 2020Severe Storms, Straight-line Winds, and Flooding$36K to the City of Spring Hill for repairs
- 2014Severe Storms, Tornadoes, Straight-line Winds, and Flooding$50K to the City of Spring Hill for repairs1 flood claim paid that year
Show all 7
- 2010Severe Storms, Flooding, Straight-line Winds, and Tornadoes101 households applied for aid$223K aid approved7 flood claims paid that year
Its 2 counties have had 20 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Spring Hill after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Spring Hill archive →Spring Hill and its neighbors
Spring Hill is 3rd of the 3 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 |
|---|---|---|---|
| Thompson's Station | Bless damage than 65% | river and rain flooding | — |
| Columbia | B−less damage than 53% | river and rain flooding | 104 |
| Spring Hill | C+more damage than 58% | 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 Hill 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- 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 Hill
Is Spring Hill at risk for natural disasters?
On FEMA’s National Risk Index, Spring Hill has higher expected damage per building than 58% of U.S. towns: C+ for hazard risk, #102 of 177 in Tennessee. Most of the expected damage is river and rain flooding (76%) and tornadoes (12%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Spring Hill flood?
Flood insurance has paid 10 claims in Spring Hill since 2010, $142K in all, or 0.5 per 1,000 homes, fewer than 90% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Late spring storms (7).
Is Spring Hill 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 Williamson County, 86% of homes in mapped flood zones carry federal flood insurance, and 2.4% of all homes do.
How much is flood insurance in Spring Hill?
FEMA’s Community Rating System list shows no discount for Spring Hill’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 Hill?
By FEMA money that reached Spring Hill, Severe Storms, Flooding, Straight-line Winds, and Tornadoes (2010): 101 households applied for aid, $223K approved. By flood claims, Late spring storms: 7 paid, $128K.
Is Spring Hill at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Spring Hill’s rate for it is higher than 69% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Spring Hill.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Spring Hill’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.