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Natural hazards · Spring Hill

Spring Hill, FL natural hazards

Most of the natural-hazard damage FEMA expects in Spring Hill comes from hurricanes, and overall the risk is high for a U.S. community. Flood insurance has paid 25 claims here since 1998. 10 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Spring Hill?

72
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spring Hill to be higher than in 72% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes42%Inland flooding41%Tornadoes11%Everything else6%
By hazard

What Spring Hill faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Hurricanes

42% of expected damage
Well above average · higher than 92% of U.S. places
Recorded about once every 3 years in the area

Inland flooding

41% of expected damage
Above average · higher than 60% of U.S. places
Recorded about once a year in the area

Tornadoes

11% of expected damage
Above average · higher than 62% of U.S. places

Lower here

Coastal floodingHailCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Ice stormsWinter weatherDroughtAvalanchesTsunamisVolcanic activity
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Spring Hill flood?

Every paid claim on a federal flood insurance policy in Spring Hill, from FEMA’s records.

25paid claims since 1998
$552Kpaid to owners
0homes flooded more than once
19982026

Biggest named events

  • Tropical Storm Debby: 14 claims, $255K
  • Hurricane Irma: 2 claims, $58K
  • Hurricane Ivan: 1 claim, $48K
of homes in flood zones
are insured
of all homes
are insured
No community discount. 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: Hernando County.

What’s been done with FEMA grants

4buildings retrofitted against wind
2homes raised above flood level
2storm safe rooms built
1flood-prone properties bought out and cleared
Disasters that hit Spring Hill

10 federal disasters brought FEMA money here

Disasters the President declared that paid out in Spring Hill itself: aid to households, or repair grants to Spring Hill.

Brought FEMA money into Spring HillDeclared for Hernando County only
2024

Hurricane Milton

6,625 households applied for aid $3.5M aid approved
2024

Hurricane Helene

2,770 households applied for aid $6.0M aid approved
2023

Hurricane Idalia

788 households applied for aid $1.0M aid approved
2022

Hurricane Ian

151 households applied for aid $41K aid approved
2017

Hurricane Irma

7,125 households applied for aid $1.8M aid approved
2016

Hurricane Hermine

143 households applied for aid $329K aid approved
2012

Tropical Storm Debby

410 households applied for aid $440K aid approved
2004

Hurricane Jeanne

663 households applied for aid $567K aid approved
2004

Hurricane Frances

909 households applied for aid $592K aid approved
2004

Tropical Storm Bonnie and Hurricane Charley

16 households applied for aid $25K aid approved
Hernando County has had 34 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Spring Hill

Spring Hill and the towns around it

Timber Pines: High, mostly hurricanesSouth Brooksville: High, mostly inland floodingMasaryktown: High, mostly hurricanesHigh Point: High, mostly hurricanesShady Hills: High, mostly inland floodingBrookridge: High, mostly hurricanesBrooksville: Moderate, mostly hurricanesWiscon: Moderate, mostly hurricanesGarden Grove: Very high, mostly inland floodingNorth Weeki Wachee: High, mostly hurricanesQuail Ridge: Moderate, mostly hurricanesSpring Hill: High, mostly hurricanes Spring HillTimber PinesSouth BrooksvilleMasaryktownHigh PointShady HillsBrookridge
Very lowLowModerateHighVery high
Spring Hillmostly hurricanesHigh
South Brooksvillemostly inland floodingHigh
Shady Hillsmostly inland floodingHigh
Brookridgemostly hurricanesHigh
Timber Pinesmostly hurricanesHigh
Masaryktownmostly hurricanesHigh
High Pointmostly hurricanesHigh
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Spring Hill covers 22 census tracts, combined by population.
Money that reached townFlood claims are matched to Spring Hill’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Spring Hill. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Spring Hill total about $30.1M a year, counting buildings, people and crops.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.

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