Natural hazards · Springfield

Springfield, TN natural hazards

Most of the natural-hazard damage FEMA expects in Springfield comes from earthquakes, and overall the risk is low for a U.S. community. Flood insurance has paid 8 claims here since 1981. 4 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Springfield?

Low

vs. U.S. communities

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

Earthquakes33%Inland flooding22%Cold waves15%Tornadoes13%Strong wind7%Everything else10%

By hazard

What Springfield faces

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

Earthquakes

33% of expected damage

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

Inland flooding

22% of expected damage

Well below average · higher than 9% of U.S. places

Recorded about once a year in the area

Cold waves

15% of expected damage

Below average · higher than 42% of U.S. places

Recorded about once a year in the area

Tornadoes

13% of expected damage

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

Strong wind

7% of expected damage

Well above average · higher than 84% 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 Springfield flood?

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

8paid claims since 1981

$206Kpaid to owners

1homes flooded more than once

19812026

Biggest named events

Late spring storms: 2 claims, $117K

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. Springfield isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Robertson County.

What’s been done with FEMA grants

4flood-prone properties bought out and cleared

1storm safe rooms built

Disasters that hit Springfield

4 federal disasters brought FEMA money here

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

Brought FEMA money into SpringfieldDeclared for Robertson County only

2026

Severe Winter Storm

38 households applied for aid $57K aid approved

2023

Severe Storms and Tornadoes

$871K to the City of Springfield for repairs

2010

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

108 households applied for aid $148K aid approved $298K to the City of Springfield for repairs

2003

Severe Storms, Tornadoes, and Flooding

8 households applied for aid $3K aid approved

Robertson County has had 11 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. Springfield covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Springfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Springfield. 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 Springfield total about $4.5M 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.