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 2 claims here since 2013.

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 25% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding61%Tornadoes22%Strong wind5%Everything else13%

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

61% of expected damage

Below average · higher than 39% of U.S. places

Recorded about once a year in the area

Tornadoes

22% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once every 34 years in the area

Strong wind

5% of expected damage

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

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Springfield flood?

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

2paid claims since 2013

$21Kpaid to owners

0homes flooded more than once

20132026

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: Allen County.

Disasters that hit Springfield

Federal disasters declared here

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

Brought FEMA money into SpringfieldDeclared for Allen County only

Allen County has had 16 natural disasters declared since 1953, most often severe storms and floods.

Around Springfield

Springfield and the towns around it

Very lowLowModerateHighVery high

Cedar Creekmostly inland floodingLow

Spencermostly inland floodingLow

Springfieldmostly inland floodingLow

Scipiomostly inland floodingLow

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 $1.3M 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.