Natural hazards · Spring Point

Spring Point, IL natural hazards

Most of the natural-hazard damage FEMA expects in Spring Point comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 1999.

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

Expected damage

How exposed is Spring Point?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spring Point to be higher than in 66% of U.S. communities, mostly from inland flooding and earthquakes.

Inland flooding45%Earthquakes16%Drought14%Cold waves8%Tornadoes6%Strong wind5%Everything else7%

By hazard

What Spring Point faces

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

Inland flooding

45% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once a year in the area

Earthquakes

16% of expected damage

Well above average · higher than 81% of U.S. places

Drought

14% of expected damage

Recorded about 2 times a year in the area

Cold waves

8% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 73% of U.S. places

Recorded about once every 10 years in the area

Strong wind

5% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Point flood?

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

1paid claims since 1999

$6Kpaid to owners

0homes flooded more than once

19992026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cumberland County.

Disasters that hit Spring Point

Federal disasters declared here

None of the disasters declared for Cumberland County shows FEMA aid or repair money reaching Spring Point itself in FEMA’s records.

Brought FEMA money into Spring PointDeclared for Cumberland County only

Cumberland County has had 7 natural disasters declared since 1953, most often severe storms and winter storms.

Around Spring Point

Spring Point and the towns around it

Very lowLowModerateHighVery high

Woodburymostly inland floodingHigh

Sumptermostly inland floodingHigh

Spring Pointmostly inland floodingHigh

Neogamostly inland floodingHigh

Grovemostly inland floodingHigh

Sigelmostly inland floodingHigh

St. Francismostly inland floodingModerate

Douglasmostly inland floodingModerate

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 Point covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Spring Point’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Spring Point. 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 Point total about $3.0M 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.