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Natural hazards · Spring

Spring, TN natural hazards

Most of the natural-hazard damage FEMA expects in Spring comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 29 claims here since 1990. 6 federal disasters brought FEMA money into town.

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

How exposed is Spring?

66
High
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spring to be higher than in 66% of U.S. communities, mostly from inland flooding.

Inland flooding58%Tornadoes10%Cold waves10%Earthquakes8%Strong wind6%Everything else7%
By hazard

What Spring faces

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

Inland flooding

58% of expected damage
Well above average · higher than 81% of U.S. places
Recorded about once a year in the area

Tornadoes

10% of expected damage
Above average · higher than 73% of U.S. places
Recorded about once every 22 years in the area

Cold waves

10% of expected damage
Above average · higher than 74% of U.S. places
Recorded about once every 2 years in the area

Earthquakes

8% of expected damage
Well above average · higher than 77% of U.S. places

Strong wind

6% of expected damage
Well above average · higher than 87% of U.S. places
Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireLandslidesLightningDrought

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 flood?

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

29paid claims since 1990
$1.3Mpaid to owners
1homes flooded more than once
19902026

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. Spring isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Rhea County.
Disasters that hit Spring

6 federal disasters brought FEMA money here

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

Brought FEMA money into SpringDeclared for Rhea County only
2023

Severe Storms, Straight-Line Winds, and Tornado

$29K to the Town of Spring for repairs
2019

Severe Storms, Flooding, Landslides, and Mudslides

$149K to the Town of Spring for repairs
2011

Severe Storms, Tornadoes, Straight-Line Winds, and Associated Flooding

30 households applied for aid $155K aid approved $8K to the Town of Spring for repairs
2004

Severe Storms and Flooding

$85K to the Town of Spring for repairs
2003

Severe Storms, Tornadoes, and Flooding

12 households applied for aid $14K aid approved
2003

Severe Storms and Flooding

$4K to the Town of Spring for repairs
Rhea County has had 17 natural disasters declared since 1953, most often severe storms and floods.
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 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 Spring’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Spring. 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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