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Natural hazards · Spring Valley

Spring Valley, OH natural hazards

Most of the natural-hazard damage FEMA expects in Spring Valley comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 5 claims here since 1980. 5 federal disasters brought FEMA money into town.

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

How exposed is Spring Valley?

29
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spring Valley to be higher than in 29% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding62%Cold waves15%Tornadoes10%Everything else13%
By hazard

What Spring Valley faces

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

Inland flooding

62% of expected damage
Below average · higher than 48% of U.S. places
Recorded about 2 times a year in the area

Cold waves

15% of expected damage
Above average · higher than 65% of U.S. places
Recorded about 4 times a year in the area

Tornadoes

10% of expected damage
Above average · higher than 71% of U.S. places
Recorded about once every 44 years in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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 Valley flood?

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

5paid claims since 1980
$47Kpaid to owners
0homes flooded more than once
19802026
of homes in flood zones
are insured
of all homes
are insured
No community discount. Spring Valley isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Greene County.
Disasters that hit Spring Valley

5 federal disasters brought FEMA money here

Disasters the President declared that paid out in Spring Valley itself: aid to households, or repair grants to the Township of Spring Valley.

Brought FEMA money into Spring ValleyDeclared for Greene County only
2008

Severe Wind Storm Associated With Tropical Depression Ike

$22K to the Township of Spring Valley for repairs
2008

Record Snow and Near Record Snow

$6K to the Township of Spring Valley for repairs
2004

Snow

$7K to the Township of Spring Valley for repairs
2003

Severe Winter Storm and Record/Near Record Snow

$4K to the Township of Spring Valley for repairs
2000

Severe Storms and Tornado

$1K to the Township of Spring Valley for repairs
Greene County has had 14 natural disasters declared since 1953, most often severe storms and winter storms.
Around Spring Valley

Spring Valley and the towns around it

Xenia: Very low, mostly inland floodingSugarcreek: Low, mostly inland floodingXenia: Very low, mostly inland floodingCaesarscreek: Very low, mostly inland floodingWayne: Low, mostly inland floodingChester: Very low, mostly inland floodingBeavercreek: Very low, mostly inland floodingCedarville: Very low, mostly inland floodingNew Jasper: Very low, mostly inland floodingWilberforce: Very low, mostly inland floodingMiami: Low, mostly inland floodingBath: Very low, mostly inland floodingFairborn: Very low, mostly inland floodingBellbrook: Low, mostly inland floodingKettering: Very low, mostly inland floodingWashington: Very low, mostly inland floodingCenterville: Very low, mostly inland floodingBeavercreek: Very low, mostly inland floodingLiberty: Very low, mostly inland floodingJefferson: Very low, mostly inland floodingSilvercreek: Very low, mostly inland floodingMassie: Very low, mostly inland floodingTurtlecreek: Very low, mostly inland floodingWashington: Very low, mostly inland floodingClear Creek: Low, mostly inland floodingUnion: Very low, mostly inland floodingSpring Valley: Low, mostly inland flooding Spring ValleyXeniaSugarcreekXeniaCaesarscreekWayneChester
Very lowLowModerateHighVery high
Sugarcreekmostly inland floodingLow
Spring Valleymostly inland floodingLow
Waynemostly inland floodingLow
Xeniamostly inland floodingVery low
Xeniamostly inland floodingVery low
Chestermostly inland floodingVery low
Caesarscreekmostly 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. Spring Valley covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Spring Valley’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 Valley. 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 Valley total about $984K 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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