Natural hazards · Spring Garden

Spring Garden, PA natural hazards

Most of the natural-hazard damage FEMA expects in Spring Garden comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 22 claims here since 1978.

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

Expected damage

How exposed is Spring Garden?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spring Garden to be higher than in 30% of U.S. communities, mostly from inland flooding.

Inland flooding69%Hurricanes14%Earthquakes6%Everything else11%

By hazard

What Spring Garden faces

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

Inland flooding

69% of expected damage

Below average · higher than 44% of U.S. places

Recorded about 3 times a year in the area

Hurricanes

14% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 11 years in the area

Earthquakes

6% of expected damage

Above average · higher than 61% of U.S. places

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireLandslidesStrong 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 Garden flood?

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

22paid claims since 1978

$1.0Mpaid to owners

0homes flooded more than once

19782026

Biggest named events

Tropical Storm Lee: 1 claim, $919K

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: York County.

Disasters that hit Spring Garden

Federal disasters declared here

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

Brought FEMA money into Spring GardenDeclared for York County only

York County has had 18 natural disasters declared since 1953, most often hurricanes and floods.

Around Spring Garden

Spring Garden and the towns around it

Very lowLowModerateHighVery high

North Yorkmostly inland floodingModerate

Yorkmostly inland floodingLow

West Manchestermostly inland floodingLow

Spring Gardenmostly inland floodingLow

North Codorusmostly inland floodingLow

Springettsburymostly inland floodingLow

Manchestermostly inland floodingLow

Yorkmostly 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. Spring Garden covers 4 census tracts, combined by population.

Money that reached townFlood claims are matched to Spring Garden’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Spring Garden. 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 Garden total about $4.6M 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.