Natural hazards · Coolspring

Coolspring, PA natural hazards

Most of the natural-hazard damage FEMA expects in Coolspring comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 2 claims here since 2014.

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

Expected damage

How exposed is Coolspring?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Coolspring to be higher than in 32% of U.S. communities, mostly from inland flooding.

Inland flooding86%Everything else14%

By hazard

What Coolspring faces

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

Inland flooding

86% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 3 times a year in the area

Lower here

HurricanesTornadoesHailIce 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 Coolspring flood?

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

2paid claims since 2014

$26Kpaid to owners

1homes flooded more than once

20142026

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Mercer County.

Disasters that hit Coolspring

Federal disasters declared here

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

Brought FEMA money into CoolspringDeclared for Mercer County only

Mercer County has had 11 natural disasters declared since 1953, most often hurricanes and floods.

Around Coolspring

Coolspring and the towns around it

Very lowLowModerateHighVery high

Mercermostly inland floodingModerate

Findleymostly inland floodingModerate

Jacksonmostly inland floodingLow

Coolspringmostly inland floodingLow

Jeffersonmostly inland floodingLow

East Lackawannockmostly inland floodingLow

Fairviewmostly inland floodingLow

Lakemostly 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. Coolspring 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 Coolspring’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Coolspring. 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.