Natural hazards · Springfield

Springfield, FL natural hazards

Most of the natural-hazard damage FEMA expects in Springfield comes from hurricanes, and overall the risk is very high for a U.S. community. Flood insurance has paid 89 claims here since 1980. 9 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Springfield?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Springfield to be higher than in 93% of U.S. communities, mostly from hurricanes.

Hurricanes71%Inland flooding12%Tornadoes9%Everything else8%

By hazard

What Springfield faces

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

Hurricanes

71% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

12% of expected damage

Well below average · higher than 24% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

9% of expected damage

Above average · higher than 65% of U.S. places

Lower here

Coastal floodingHailWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Ice stormsDroughtAvalanchesTsunamisVolcanic 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 Springfield flood?

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

89paid claims since 1980

$1.9Mpaid to owners

13homes flooded more than once

19802026

Biggest named events

Hurricane Michael: 35 claims, $896K
Tropical Storm Fred: 6 claims, $187K
Hurricane Dennis: 1 claim, $6K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (3) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Springfield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Bay County.

What’s been done with FEMA grants

3buildings retrofitted against wind

1flood-prone properties bought out and cleared

Disasters that hit Springfield

9 federal disasters brought FEMA money here

Disasters the President declared that paid out in Springfield itself: aid to households, or repair grants to the City of Springfield.

Brought FEMA money into SpringfieldDeclared for Bay County only

2020

Hurricane Sally

1 household applied for aid

2018

Hurricane Michael

27 households applied for aid $134K aid approved $35.0M to the City of Springfield for repairs

2017

Hurricane Irma

$15K to the City of Springfield for repairs

2014

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

$42K to the City of Springfield for repairs

2013

Severe Storms and Flooding

$167K to the City of Springfield for repairs

2009

Severe Storms, Flooding, Tornadoes, and Straight-Line Winds

$5K to the City of Springfield for repairs

2005

Hurricane Dennis

$11K to the City of Springfield for repairs

2004

Hurricane Ivan

$63K to the City of Springfield for repairs

2001

Tropical Storm Allison

$54K to the City of Springfield for repairs

Bay County has had 40 natural disasters declared since 1953, most often hurricanes and severe storms.

Around Springfield

Springfield and the towns around it

Very lowLowModerateHighVery high

Callawaymostly hurricanesVery high

Springfieldmostly hurricanesVery high

Cedar Grovemostly hurricanesVery high

Panama Citymostly hurricanesVery high

Parkermostly hurricanesVery high

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. Springfield covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Springfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Springfield. 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 Springfield total about $2.9M 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.