Photo: Renelibrary · CC BY-SA 4.0For wildfire, Springtown’s building-damage rate is in the top 4% of U.S. census tracts
On FEMA’s National Risk Index, Springtown gets a C+ for hazard risk: higher expected damage per building than 58% of U.S. towns, #381 of 642 in Texas. Most of that expected damage is river and rain flooding (68%), then wildfire (16%). Flood insurance has paid 28 claims here since 1979.
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 stands out about Springtown’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Springtown 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
Wildfire
Tornadoes
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 Springtown’s grade
River and rain flooding is 68% of the building damage FEMA expects in Springtown, and Springtown’s rate of river and rain flooding damage is higher than 60% of U.S. census tracts. Wildfire adds 16%, at a rate in the top 4% of U.S. census tracts.
C+ #381 of 642 in Texas; higher expected damage per building than 58% of U.S. towns (21,298).
All of Springtown’s residents live in one census tract; the figures are that tract’s.
The typical Texas town has higher expected damage than 50% of U.S. towns; within the state, Springtown has more expected damage per building than 59% of Texas towns.
In dollars, FEMA expects about $1.2M a year in losses across Springtown: $666K to buildings, the rest to people and crops.
Does Springtown flood? Sometimes: 28 flood claims since 1979
Every paid claim on a federal flood insurance policy in Springtown, from FEMA’s records: 21.8 per 1,000 homes, more than 85% of the 13,809 U.S. towns with a flood insurance record.
- The Spring Storm1 claim · $12K
Springtown isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Parker County.5 federal disasters brought FEMA money to Springtown
Disasters that paid out in Springtown itself (aid to households or repair grants to the City of Springtown), newest first, with that year’s flood claims.
- 2021Severe Winter Storms274 households applied for aid$185K aid approved$17K to the City of Springtown for repairs
- 2016Severe Storms and Flooding3 households applied for aid$249 aid approved
- 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding9 households applied for aid$26K aid approved$494K to the City of Springtown for repairs
- 2007Severe Storms, Tornadoes, and Flooding3 households applied for aid$1K aid approved
- 2005Extreme Wildfire Threat1 households applied for aid$11K aid approved
Parker County has had 19 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Parker County, 2000–2000.
Old photos of Springtown after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Springtown archive →Get ready for what Springtown 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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.
- 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 Springtown
Is Springtown at risk for natural disasters?
On FEMA’s National Risk Index, Springtown has higher expected damage per building than 58% of U.S. towns: C+ for hazard risk, #381 of 642 in Texas. Most of the expected damage is river and rain flooding (68%) and wildfire (16%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Springtown flood?
Flood insurance has paid 28 claims in Springtown since 1979, $311K in all, or 21.8 per 1,000 homes, more than 85% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Spring Storm (1).
Is Springtown 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 Parker County, 19% of homes in mapped flood zones carry federal flood insurance, and 1.0% of all homes do.
How much is flood insurance in Springtown?
FEMA’s Community Rating System list shows no discount for Springtown’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 Springtown?
By FEMA money that reached Springtown, Severe Storms, Tornadoes, Straight-line Winds and Flooding (2015): 9 households applied for aid, $26K approved, and $494K to the City of Springtown for repairs. By flood claims, Spring Storm: 1 paid, $12K.
Is Springtown at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (68%), and Springtown’s rate for it is higher than 60% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Springtown.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Springtown’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.