Natural hazards · Spruce Hill

Spruce Hill, PA natural hazards

Most of the natural-hazard damage FEMA expects in Spruce Hill comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 1 claim here since 1996.

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

Expected damage

How exposed is Spruce Hill?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spruce Hill to be higher than in 71% of U.S. communities, mostly from inland flooding.

Inland flooding75%Hurricanes10%Strong wind5%Everything else10%

By hazard

What Spruce Hill faces

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

Inland flooding

75% of expected damage

Well above average · higher than 87% of U.S. places

Recorded about once a year in the area

Hurricanes

10% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 16 years in the area

Strong wind

5% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about 4 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightningAvalanches

Not a risk here

Coastal floodingDroughtTsunamisVolcanic 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 Spruce Hill flood?

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

1paid claims since 1996

$4Kpaid to owners

0homes flooded more than once

19962026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Juniata County.

Disasters that hit Spruce Hill

Federal disasters declared here

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

Brought FEMA money into Spruce HillDeclared for Juniata County only

Juniata County has had 16 natural disasters declared since 1953, most often floods and winter storms.

Around Spruce Hill

Spruce Hill and the towns around it

Very lowLowModerateHighVery high

Tuscaroramostly inland floodingHigh

Spruce Hillmostly inland floodingHigh

Bealemostly inland floodingHigh

Milfordmostly inland floodingHigh

Turbettmostly inland floodingHigh

Northeast Madisonmostly inland floodingHigh

Savillemostly 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. Spruce Hill 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 Spruce Hill’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Spruce Hill. 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.