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Natural hazards · Hubbardston

Hubbardston, MA natural hazards

Most of the natural-hazard damage FEMA expects in Hubbardston comes from inland flooding, and overall the risk is very low for a U.S. community. 10 federal disasters brought FEMA money into town.

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

How exposed is Hubbardston?

14
Very low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hubbardston to be higher than in 14% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding52%Hurricanes20%Cold waves10%Everything else19%
By hazard

What Hubbardston faces

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

Inland flooding

52% of expected damage
Well below average · higher than 17% of U.S. places
Recorded about 4 times a year in the area

Hurricanes

20% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about once every 9 years in the area

Cold waves

10% of expected damage
Below average · higher than 49% of U.S. places
Recorded about 4 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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 Hubbardston flood?

FEMA's records show no paid flood insurance claims in Hubbardston.

of homes in flood zones
are insured
of all homes
are insured
No community discount. Hubbardston isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Worcester County.
Disasters that hit Hubbardston

10 federal disasters brought FEMA money here

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

Brought FEMA money into HubbardstonDeclared for Worcester County only
2018

Severe Winter Storm and Snowstorm

$39K to the Town of Hubbardston for repairs
2015

Severe Winter Storm, Snowstorm, and Flooding

$31K to the Town of Hubbardston for repairs
2013

Severe Winter Storm, Snowstorm, and Flooding

$27K to the Town of Hubbardston for repairs
2011

Severe Storm and Snowstorm

$43K to the Town of Hubbardston for repairs
2011

Hurricane Irene

$3K to the Town of Hubbardston for repairs
2010

Severe Storms and Flooding

7 households applied for aid $7K aid approved
2008

Severe Winter Storm and Flooding

$668K to the Town of Hubbardston for repairs
2005

Record And/Or Near Record Snow

$21K to the Town of Hubbardston for repairs
2003

Snow

$28K to the Town of Hubbardston for repairs
2001

Snow

$16K to the Town of Hubbardston for repairs
Worcester County has had 28 natural disasters declared since 1953, most often hurricanes and severe storms.
Around Hubbardston

Hubbardston and the towns around it

Princeton: Very low, mostly inland floodingBarre: Low, mostly inland floodingGardner: Very low, mostly inland floodingWestminster: Very low, mostly inland floodingSterling: Very low, mostly inland floodingLeominster: Low, mostly inland floodingRutland: Very low, mostly inland floodingHolden: Very low, mostly inland floodingOakham: Low, mostly inland floodingTempleton: Low, mostly inland floodingAshburnham: Low, mostly inland floodingWinchendon: Moderate, mostly inland floodingFitchburg: Moderate, mostly inland floodingHubbardston: Very low, mostly inland flooding HubbardstonPrincetonBarreGardnerWestminster
Very lowLowModerateHighVery high
Barremostly inland floodingLow
Gardnermostly inland floodingVery low
Princetonmostly inland floodingVery low
Westminstermostly inland floodingVery low
Hubbardstonmostly inland floodingVery low
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. Hubbardston covers 1 census tract, combined by population.
Money that reached townFlood claims are matched to Hubbardston’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Hubbardston. 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 Hubbardston total about $602K 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/15 · 2025-01-01
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