Natural hazards · Hardwick

Hardwick, MN natural hazards

Most of the natural-hazard damage FEMA expects in Hardwick comes from inland flooding, and overall the risk is moderate for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hardwick?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hardwick to be higher than in 52% of U.S. communities, mostly from inland flooding and hail.

Inland flooding36%Hail27%Tornadoes11%Drought9%Cold waves9%Everything else9%

By hazard

What Hardwick faces

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

Inland flooding

36% of expected damage

Above average · higher than 62% of U.S. places

Recorded about 2 times a year in the area

Hail

27% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about once every 4 years in the area

Drought

9% of expected damage

Recorded about 11 times a year in the area

Cold waves

9% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 10 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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 Hardwick flood?

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

of all homes
are insured

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

Insurance rates: Rock County.

Disasters that hit Hardwick

3 federal disasters brought FEMA money here

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

Brought FEMA money into HardwickDeclared for Rock County only

2024

Severe Storms and Flooding

6 households applied for aid $17K aid approved

2014

Severe Storms, Straight-Line Winds, Flooding, Landslides, and Mudslides

$24K to the City of Hardwick for repairs

2013

Severe Winter Storm

$21K to the City of Hardwick for repairs

Rock County has had 14 natural disasters declared since 1953, most often floods and severe storms.

Around Hardwick

Hardwick and the towns around it

Very lowLowModerateHighVery high

Hardwickmostly inland floodingModerate

Denvermostly 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. Hardwick 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 Hardwick’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hardwick. 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.