Natural hazards · Hubbard

Hubbard, MN natural hazards

Most of the natural-hazard damage FEMA expects in Hubbard comes from inland flooding, and overall the risk is moderate for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Hubbard?

Moderate

vs. U.S. communities

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

Inland flooding63%Drought13%Cold waves8%Tornadoes6%Everything else10%

By hazard

What Hubbard faces

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

Inland flooding

63% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once every 4 years in the area

Drought

13% of expected damage

Recorded about 12 times a year in the area

Cold waves

8% of expected damage

Above average · higher than 70% of U.S. places

Recorded about 15 times a year in the area

Tornadoes

6% of expected damage

Above average · higher than 70% of U.S. places

Recorded about once every 19 years in the area

Lower here

HailIce 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 Hubbard flood?

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

of all homes
are insured

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

Insurance rates: Hubbard County.

Disasters that hit Hubbard

1 federal disaster brought FEMA money here

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

Brought FEMA money into HubbardDeclared for Hubbard County only

2009

Severe Storms and Flooding

$20K to the Township of Hubbard for repairs

Hubbard County has had 8 natural disasters declared since 1953, most often severe storms and hurricanes.

Around Hubbard

Hubbard and the towns around it

Very lowLowModerateHighVery high

Hubbardmostly inland floodingModerate

Henriettamostly inland floodingModerate

Crow Wing Lakemostly inland floodingModerate

Shell Rivermostly inland floodingModerate

Straight Rivermostly 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. Hubbard 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 Hubbard’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Hubbard. 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.