Spring Brook’s building-damage rate from strong wind is in the top 4% of U.S. census tracts
On FEMA’s National Risk Index, Spring Brook gets a B for hazard risk: lower expected damage per building than 58% of U.S. towns. Most of that expected damage is river and rain flooding (72%), then tornadoes (13%). Flood insurance has paid 1 claim here since 2004.
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 Brook 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
Strong wind
Hail
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 Brook’s grade
River and rain flooding is 72% of the building damage FEMA expects in Spring Brook, and Spring Brook’s rate of river and rain flooding damage is higher than 52% of U.S. census tracts. Strong wind adds 8%, at a rate in the top 4% of U.S. census tracts.
B lower expected damage per building than 58% of U.S. towns (21,298).
All of Spring Brook’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $818K a year in losses across Spring Brook: $473K to buildings, the rest to people and crops.
Does Spring Brook flood? Rarely: 1 flood claim since 2004
Every paid claim on a federal flood insurance policy in Spring Brook, from FEMA’s records: 1.4 per 1,000 homes, fewer than 70% of the 13,809 U.S. towns with a flood insurance record.
Spring Brook isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Dunn County.The storms Spring Brook remembers
None of the 10 disasters declared for Dunn County shows FEMA aid or repair money reaching Spring Brook itself in FEMA’s records, so these are its biggest flood-claim years.
- 20041 flood claims paidNo declaration for the county that year
Dunn County has had 10 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.
Old photos of Spring Brook after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Spring Brook archive →Spring Brook and its neighbors
Spring Brook is 4th of the 6 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 |
|---|---|---|---|
| Union | Bless damage than 64% | river and rain flooding | 2 |
| Dunn | Bless damage than 58% | river and rain flooding | — |
| Rock Creek | Bless damage than 58% | river and rain flooding | — |
| Spring Brook | Bless damage than 58% | river and rain flooding | 1 |
| Red Cedar | Bless damage than 55% | river and rain flooding | — |
| Elk Mound | C+more damage than 57% | river and rain flooding | — |
| Peru | — | 321 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 Spring Brook 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.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Brook
Is Spring Brook at risk for natural disasters?
On FEMA’s National Risk Index, Spring Brook has lower expected damage per building than 58% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (72%) and tornadoes (13%). 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 Spring Brook flood?
Flood insurance has paid 1 claim in Spring Brook since 2004, $14K in all, or 1.4 per 1,000 homes, fewer than 70% of U.S. towns with a flood insurance record.
Is Spring Brook 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 Dunn County, 19% of homes in mapped flood zones carry federal flood insurance, and 0.3% of all homes do.
How much is flood insurance in Spring Brook?
FEMA’s Community Rating System list shows no discount for Spring Brook’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Spring Brook at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (72%), and Spring Brook’s rate for it is higher than 52% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Spring Brook.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Spring Brook’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.