Natural hazards · Spring Mill

Spring Mill, KY natural hazards

Most of the natural-hazard damage FEMA expects in Spring Mill comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Spring Mill?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spring Mill to be higher than in 48% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding56%Tornadoes31%Everything else13%

By hazard

What Spring Mill faces

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

Inland flooding

56% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

31% of expected damage

Well above average · higher than 79% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat 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 Spring Mill flood?

FEMA's records show no paid flood insurance claims in Spring Mill.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Jefferson County.

Disasters that hit Spring Mill

Federal disasters declared here

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

Brought FEMA money into Spring MillDeclared for Jefferson County only

Jefferson County has had 20 natural disasters declared since 1953, most often severe storms and floods.

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 Mill 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 Spring Mill’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Spring Mill. 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.