Natural hazards · Spring Creek

Spring Creek, PA natural hazards

Most of the natural-hazard damage FEMA expects in Spring Creek comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 1979.

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

Expected damage

How exposed is Spring Creek?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spring Creek to be higher than in 65% of U.S. communities, mostly from inland flooding.

Inland flooding88%Everything else12%

By hazard

What Spring Creek faces

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

Inland flooding

88% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 2 years 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 Spring Creek flood?

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

4paid claims since 1979

$12Kpaid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Elk County.

Disasters that hit Spring Creek

Federal disasters declared here

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

Brought FEMA money into Spring CreekDeclared for Elk County only

Elk County has had 8 natural disasters declared since 1953, most often hurricanes and floods.

Around Spring Creek

Spring Creek and the towns around it

Very lowLowModerateHighVery high

Spring Creekmostly inland floodingHigh

Highlandmostly inland floodingHigh

Millstonemostly inland floodingHigh

Ridgwaymostly inland floodingHigh

Hortonmostly inland floodingModerate

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 Creek covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Spring Creek’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Spring Creek. 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 Creek total about $2.3M 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.