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Natural hazards · Spring Hill

Spring Hill, TN natural hazards

Most of the natural-hazard damage FEMA expects in Spring Hill comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 10 claims here since 2010. 5 federal disasters brought FEMA money into town.

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

How exposed is Spring Hill?

57
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Spring Hill to be higher than in 57% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding48%Tornadoes19%Cold waves16%Earthquakes6%Strong wind5%Everything else4%
By hazard

What Spring Hill faces

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

Inland flooding

48% of expected damage
Above average · higher than 72% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

19% of expected damage
Well above average · higher than 88% of U.S. places

Cold waves

16% of expected damage
Below average · higher than 45% of U.S. places
Recorded about once a year in the area

Earthquakes

6% of expected damage
Well above average · higher than 76% of U.S. places

Strong wind

5% of expected damage
Well above average · higher than 79% of U.S. places
Recorded about 6 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 Hill flood?

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

10paid claims since 2010
$142Kpaid to owners
1homes flooded more than once
20102026

Biggest named events

  • Late spring storms: 7 claims, $128K

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 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: Williamson County.
Disasters that hit Spring Hill

5 federal disasters brought FEMA money here

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

Brought FEMA money into Spring HillDeclared for Williamson County only
2026

Severe Winter Storm

16 households applied for aid $104K to the City of Spring Hill for repairs
2021

Severe Storms, Tornadoes, and Flooding

6 households applied for aid $90K to the City of Spring Hill for repairs
2010

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

101 households applied for aid $223K aid approved
2008

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

1 household applied for aid
2003

Severe Storms, Tornadoes, and Flooding

3 households applied for aid
Williamson County has had 13 natural disasters declared since 1953, most often severe storms and tornadoes.
Around Spring Hill

Spring Hill and the towns around it

Thompson's Station: Low, mostly inland floodingColumbia: Moderate, mostly inland floodingFranklin: Moderate, mostly inland floodingSpring Hill: Moderate, mostly inland flooding Spring HillThompson's StationColumbia
Very lowLowModerateHighVery high
Spring Hillmostly inland floodingModerate
Columbiamostly inland floodingModerate
Thompson's Stationmostly 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 Hill covers 5 census tracts, combined by population.
Money that reached townFlood claims are matched to Spring Hill’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Spring Hill. 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 Hill total about $13.9M 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.

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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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