Natural hazards · Springfield

Springfield, IN natural hazards

Most of the natural-hazard damage FEMA expects in Springfield comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 1 claim here since 2008.

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

Expected damage

How exposed is Springfield?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Springfield to be higher than in 33% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding45%Cold waves26%Tornadoes20%Everything else9%

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.

Inland flooding

45% of expected damage

Above average · higher than 53% of U.S. places

Recorded about once every 3 years in the area

Cold waves

26% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about 3 times a year in the area

Tornadoes

20% of expected damage

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

Recorded about once every 62 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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.

1paid claims since 2008

$15Kpaid to owners

0homes flooded more than once

20082026

Biggest named events

Hurricane Ike: 1 claim, $15K

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: LaPorte County.

Disasters that hit Springfield

Federal disasters declared here

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

Brought FEMA money into SpringfieldDeclared for LaPorte County only

LaPorte County has had 15 natural disasters declared since 1953, most often severe storms and floods.

Around Springfield

Springfield and the towns around it

Very lowLowModerateHighVery high

Springfieldmostly inland floodingLow

Galenamostly inland floodingLow

Michianamostly inland floodingLow

New Buffalomostly inland floodingLow

Centermostly inland floodingLow

Michiganmostly inland floodingVery low

Michigan Citymostly inland floodingVery low

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 (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township 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 $2.1M 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.