Natural hazards · White Springs

White Springs, FL natural hazards

Most of the natural-hazard damage FEMA expects in White Springs comes from hurricanes, and overall the risk is very high for a U.S. community. 9 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is White Springs?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in White Springs to be higher than in 80% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes57%Inland flooding26%Lightning6%Everything else12%

By hazard

What White Springs faces

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

Hurricanes

57% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 4 years in the area

Inland flooding

26% of expected damage

Below average · higher than 42% of U.S. places

Recorded about once every 3 years in the area

Lightning

6% of expected damage

Well above average · higher than 96% of U.S. places

Lower here

TornadoesHailWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windDrought

Not a risk here

Coastal floodingIce stormsAvalanchesTsunamisVolcanic 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 White Springs flood?

FEMA's records show no paid flood insurance claims in White Springs.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hamilton County.

What’s been done with FEMA grants

1buildings floodproofed

Disasters that hit White Springs

9 federal disasters brought FEMA money here

Disasters the President declared that paid out in White Springs itself: aid to households, or repair grants to the Town of White Springs.

Brought FEMA money into White SpringsDeclared for Hamilton County only

2024

Hurricane Helene

332 households applied for aid $755K aid approved

2024

Hurricane Debby

269 households applied for aid $511K aid approved

2023

Hurricane Idalia

598 households applied for aid $546K aid approved

2017

Hurricane Irma

236 households applied for aid $42K aid approved $27K to the Town of White Springs for repairs

2012

Tropical Storm Debby

64 households applied for aid $116K aid approved $116K to the Town of White Springs for repairs

2009

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

2 households applied for aid

2008

Tropical Storm Fay

$24K to the Town of White Springs for repairs

2004

Hurricane Jeanne

147 households applied for aid $219K aid approved $9K to the Town of White Springs for repairs

2004

Hurricane Frances

11 households applied for aid $35K aid approved $32K to the Town of White Springs for repairs

Hamilton County has had 29 natural disasters declared since 1953, most often hurricanes and severe storms.

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. White Springs is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to White Springs’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of White Springs. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

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.