FEMA Records
10
Low volume
Minnesota · FEMA + NOAA + National Risk Index
Hubbard County, MN
10 FEMA disaster declarations (1976-2020), with a FEMA National Risk Index rating of Very Low. Most common hazard: Severe Storm.
- 10
- FEMA declarations
- 7
- Major disasters
- 35
- NRI risk · Very Low
- Severe Storm
- Top hazard
The verdict
Hubbard County has a nationally busy FEMA history: 10 declarations, more than 10% of counties in this registry. But the state comparison tempers that reading: the total is 44% below the Minnesota county mean. FEMA's separate National Risk Index places the county safer than 35%; that score models loss and vulnerability rather than counting declarations.
- Safer than 35%
- of U.S. counties for FEMA National Risk Index score
- Very Low
- FEMA National Risk Index rating
- 10
- FEMA declarations vs 21 national county avg
- 28
- NFIP flood insurance claims filed
FEMA's National Risk Index and its declaration registry are separate measures. This county's registry includes Major Disaster (DR) and Emergency (EM) records; an EM authorizes a narrower set of federal assistance than a DR.
How does Hubbard County compare?
Hubbard County vs. all counties in this dataset
FEMA disaster declarations, all-time
10 10th percentile higher than 10% of 3,266 counties
Each bar is a band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FEMA Disaster Declarations Summaries v2 · 2026-08-03
Hubbard County's FEMA Risk Index score
FEMA National Risk Index composite score vs. the Minnesota county average
Which hazard drives modeled loss here?
FEMA's modeled annual dollar loss for Hubbard County is led by Riverine Flooding (about $7.6M Expected Annual Loss, Historical Loss Ratio Very High), while Landslide carries the highest National Risk Index rating (Relatively Low). EAL and risk score use different inputs; they need not agree.
Source: FEMA National Risk Index (December 2025 release) - Expected Annual Loss vs composite risk rating by hazard.
What does Hubbard County's hazard record show?
FEMA National Risk Index
FEMA's data shows an elevated National Risk Index composite of 35.2/100 for this county (Very Low rating). Expected Annual Loss comes in at Very Low (roughly $11.2M in annualized losses). Social vulnerability (Relatively Low) and community resilience (Relatively Moderate) both factor into how that raw exposure plays out on the ground. Even the county's top-rated hazard, Landslide, only reaches Relatively Low on FEMA's scale, none of the 18 modeled hazards stand out here. FEMA's modeled frequency puts that hazard at roughly once every 3 years here.
Declaration frequency
Nationally, Hubbard County's 10 FEMA records form a high-volume history; within Minnesota, however, the count is 44% below the county mean. 7 entries carry the Major Disaster classification. The largest incident group is Severe Storm, appearing 5 times. The full 44-year record averages 0.2 declarations annually. A DR label alone does not say whether Individual Assistance, Public Assistance, or both followed.
Reading the federal records together
This county has a small entry in FEMA's NFIP paid-claims table: 28 claims and $291.7K paid in total. PlainHazard calls 1-49 claims a light registry record, a label for this dataset rather than a finding that flood exposure is low. A short claims history can also reflect insurance take-up, the period covered, or losses that were never insured.
Start with the state benchmark: a Minnesota county averages 17.7 federal declaration records, while Hubbard County has 10. The gap is 44% below that mean. Fewer entries indicate a quieter history of recorded federal actions, not immunity from a hazard and not a prediction about what happens next.
45 /100
Historical Activity Index
Moderate historical activity
Hubbard County, MN · PlainHazard-derived composite from federal records
This 0–100 index is an explicit PlainHazard composite from FEMA declaration history only on the county surface (this DB has no county-level NOAA damage row) . It is not FEMA's National Risk Index, not a forecast, and not a safety, insurance, or preparedness rating. Open the calculator · Methodology
FEMA Declarations (1953–present) Low
7/30
10 OpenFEMA declarations, full ingest window (0.5x national county average)
County Disaster Density Moderate
7/25
10 declarations (0.6x state county average of 18)
Major Disaster Share High
18/25
7 of 10 declarations are major disasters (70%)
Hazard Diversity High
13/20
5 different disaster types declared in Hubbard County
Historical Declaration Activity
Activity Band
High
vs. Minnesota Avg
-44%
State avg: 17.7
vs. National Avg
-52%
National avg: 20.7
Avg Per Year
0.2
Over 44 years
FEMA NRI 8-hazard radar - Hubbard County
How to read this radar
Each axis: NRI risk rating (Very Low-Very High) on a 0-100 scale. Rounder = broad exposure; spiky = one or two hazards dominate.
Major Disaster share
70%
Major-heavy
NRI risk score
35
Very Low
Source: FEMA National Risk Index Per-county per-hazard ratings, December 2025 release
How often does each hazard strike Hubbard County?
FEMA's National Risk Index models a historical event count and an annualized frequency for each hazard type. Most hazards are expressed as modeled occurrences per year; FEMA expresses drought and heat-wave frequency as event-days per year. These modeled frequencies are not forecasts.
| Hazard | NRI Risk Rating | Recurrence |
|---|---|---|
| Landslide | Relatively Low | roughly once every 3 years |
| Winter Weather | Relatively Moderate | an average of 18 times per year |
| Drought | Relatively Moderate | 14 modeled event-days per year |
| Wildfire | Relatively Low | roughly once every 1,981 years |
| Cold Wave | Relatively Low | an average of 15 times per year |
| Riverine Flooding | Relatively Low | roughly once every 4 years |
| Strong Wind | Relatively Low | an average of 1.8 times per year |
| Tornado | Relatively Low | roughly once every 3 years |
| Hail | Relatively Low | an average of 3 times per year |
| Lightning | Relatively Low | an average of 28 times per year |
| Heat Wave | Very Low | 0.7 modeled event-days per year |
| Ice Storm | Very Low | roughly once every 67 years |
| Earthquake | Very Low | roughly once every 10,753 years |
Source: FEMA National Risk Index Modeled annualized frequency; drought and heat wave use event-days/year, December 2025 release
Disaster Types
Severe Storm 5
Biological 2
Hurricane 1
Flood 1
Drought 1
What Severe Storm declarations mean here
Severe Storm is the most frequent declaration type on Hubbard County's record, 50% of its declarations. In FEMA's vocabulary this covers convective weather: thunderstorm straight-line winds, large hail, and the multi-day outbreaks that often carry embedded tornadoes. Activity is heaviest in spring and summer, though the season varies by region.
These events behave differently from a hurricane on paper. Damage tends to be distributed along a storm track rather than concentrated on a coastline, and a declaration typically follows an outbreak that crossed several counties over a few days, not a single point of impact. Because the qualifying threshold is the cost of uninsured public and individual losses rather than storm intensity, two similar storms can produce a declaration in one year and none in another.
Declaration counts describe past federal action. They are a record of what was declared, not a forecast of future hazard probability.
Declaration Types
What DR / EM / FM mean
FEMA categorizes declarations as Major Disasters (DR), Emergencies (EM), or Fire Management Assistance (FM).
Major Disaster - 7 70.0%
of all 10 declarations
Emergency - 3 30.0%
of all 10 declarations
FEMA Declarations Timeline
| Year | Declarations | |
|---|---|---|
| 2020 | 2 | |
| 2009 | 1 | |
| 2005 | 1 | |
| 2002 | 1 | |
| 1999 | 1 | |
| 1997 | 2 | |
| 1995 | 1 | |
| 1976 | 1 | |
Disaster Declarations
How the 10 FEMA declarations break into federal action codes (DR / EM / FM). Same DISTINCT grain as the table below.
Download these 10 declarations as CSV . FEMA source data is public domain; our derived presentation is CC0.
| DR# | Title | Type | Incident | Date |
|---|---|---|---|---|
| 4531 | COVID-19 PANDEMIC | DR | Biological | 2020-04-07 |
| 3453 | COVID-19 | EM | Biological | 2020-03-13 |
| 1830 | SEVERE STORMS AND FLOODING | DR | Severe Storm | 2009-04-09 |
| 3242 | HURRICANE KATRINA EVACUATION | EM | Hurricane | 2005-09-13 |
| 1419 | SEVERE STORMS, FLOODING AND TORNADOES | DR | Severe Storm | 2002-06-14 |
| 1283 | SEVERE STORMS, WINDS, AND FLOODING | DR | Severe Storm | 1999-07-28 |
| 1175 | SEVERE FLOODING, HIGH WINDS,SEVERE STORMS | DR | Flood | 1997-04-08 |
| 1158 | SEVERE WINTER STORMS | DR | Severe Storm | 1997-01-16 |
| 1064 | SEVERE THUNDERSTORMS, WINDS, FLOODING, TORNADOES, AND HEAT | DR | Severe Storm | 1995-08-18 |
| 3013 | DROUGHT | EM | Drought | 1976-06-17 |
Storm Events in Minnesota
Statewide NOAA context only. PlainHazard does not currently attribute these state totals to Hubbard County.
| Storm Type | Events | Fatalities | Injuries | Property Damage |
|---|---|---|---|---|
| Thunderstorm Wind | 4,420 | 13 | 25 | $68.2M |
| Hail | 4,203 | 0 | 0 | $34.5M |
| Extreme Cold/Wind Chill | 1,789 | 7 | 4 | $55.0K |
| Winter Storm | 1,695 | 2 | 17 | $10.0M |
| Heavy Snow | 1,190 | 9 | 14 | $1.0M |
Source: NOAA Storm Events Database State-level aggregated data, 2015-2025
NFIP Flood Insurance Claims
Total Claims
28
Total Paid
$291.7K
Avg Per Claim
$10.4K
Source: FEMA National Flood Insurance Program (NFIP) OpenFEMA Claims Data
FEMA National Risk Index
Overall Risk
Very Low
Score: 35.2/100
Expected Annual Loss
Very Low
$11.2M/year
Social Vulnerability
Relatively Low
Community Resilience
Relatively Moderate
Hazard Risk Breakdown
Landslide Relatively Low
Winter Weather Relatively Moderate
Drought Relatively Moderate
Wildfire Relatively Low
Cold Wave Relatively Low
Riverine Flooding Relatively Low
Strong Wind Relatively Low
Tornado Relatively Low
Hail Relatively Low
Lightning Relatively Low
Heat Wave Very Low
Ice Storm Very Low
Earthquake Very Low
Source: FEMA National Risk Index (NRI) Ratings reflect relative scores among all US counties. Data: hazards.fema.gov/nri
The model's sharpest exposure here: Landslide
Landslide risk is a function of slope, soil and water, so it is usually a SECOND-ORDER hazard: it is triggered by the rainfall, snowmelt, wildfire burn scars or seismic shaking that came first. That is why a county can carry high landslide exposure whose realized damage is recorded under a flood or storm declaration instead.
Worth noting for Hubbard County: the model and the federal record do NOT point at the same hazard. Landslide carries the highest modeled rating (Relatively Low), while the county's declaration history is led by Severe Storm. That is not a contradiction, the two measure genuinely different things. Declarations record federal ACTION, which requires damage costly enough to exceed state and local capacity; the Risk Index models EXPECTED annual loss across all 18 hazards whether or not any declaration ever followed. A hazard can be the county's largest modeled exposure and never once have driven a declaration.
National Risk Index ratings are modeled estimates of expected annual loss, not predictions of what will happen in any given year.
Data-matched county comparisons
Hubbard County's closest FEMA peer: Lincoln County, CO
Comparisons use published FEMA declaration fields plus the National Risk Index composite for Hubbard County. Record similarity, not a safety rating.
Closest declaration profiles
Hubbard County shows 10 FEMA declarations, led by Severe Storm.
Similar Major-disaster share
Hubbard County: 7 of 10 of its declarations are Major.
Similar modeled NRI score
Hubbard County: NRI composite 35.2 (Very Low).
How these peers are chosen
Cohort: Published U.S. county equivalents outside the source state or territory. Each metric keeps six ETL candidates; three unique destinations are shown after de-duplicating across axes. Declaration-volume ranking combines count and Major-disaster share and prefers a different leading incident type; Major-share ranks the Major fraction adjusted for volume; NRI ranks the modeled composite score only.
Retained FEMA snapshot feed for Hubbard County - capture-dated entries only.
Further reading for this county
Most disaster-prone counties
With 10 FEMA declarations, Hubbard County sits in the high-volume declaration band - see how that count ranks against other U.S. counties.
More PlainHazard guides
- Most disaster-prone counties - U.S. counties ranked by FEMA declaration totals.
- Understanding disaster data - declarations vs storm events vs NRI scores.
- Preparing for natural disasters - household checklist (not county-specific advice).
Related
Frequently Asked Questions
What is the most common disaster type in Hubbard County?
The most common disaster type in Hubbard County is Severe Storm, with 5 declarations. Other disaster types include Biological (2), Hurricane (1), Flood (1).
How does Hubbard County's FEMA declaration record compare with the Minnesota average?
The typical Minnesota county has 17.7 FEMA declaration records; Hubbard County has 10, or 44% fewer. Against the national county mean of 20.7, this county's total is 52% lower. The comparison is historical and says nothing about the probability of a future event.
How many major FEMA disaster declarations has Hubbard County received?
Hubbard County has received 7 major disaster declarations, representing 70% of all 10 disaster declarations.
How many flood insurance claims has Hubbard County filed?
Hubbard County has 28 National Flood Insurance Program (NFIP) claims totaling $291.7K in payments, with an average of $10.4K per claim.
Does FEMA's top risk-rated hazard match the highest Expected Annual Loss in Hubbard County?
No. In Hubbard County, Landslide has the highest National Risk Index rating (Relatively Low), while Riverine Flooding leads Expected Annual Loss at about $7.6M. FEMA's risk score and dollar-loss model use different inputs, so the leaders often differ.
What was the worst year for disasters in Hubbard County?
The most active year for disaster declarations in Hubbard County was 1997, with 2 declarations. The county has FEMA disaster data spanning 1976 to 2020.
What is the FEMA National Risk Index score for Hubbard County?
According to the FEMA National Risk Index, Hubbard County, Minnesota has an overall risk score of 35.2 out of 100 (Very Low). On social vulnerability the county rates Relatively Low; on community resilience, Relatively Moderate. The Expected Annual Loss (EAL) score is Very Low, representing $11.2M in annualized losses.
Which natural hazard poses the greatest risk to Hubbard County?
Based on FEMA NRI data, the highest-risk natural hazard in Hubbard County is Landslide (risk rating: Relatively Low). Other significant hazards include Winter Weather (Relatively Moderate) and Drought (Relatively Moderate). FEMA's modeled event frequency puts landslide here at roughly once every 3 years. FEMA derives these ratings from historical event frequency, the assets exposed, and the community's vulnerability profile.
Data Sources & Methodology
Disaster declaration data comes from the FEMA OpenFEMA Disaster Declarations Summaries v2 API, which includes all federally declared disasters, emergencies, and fire management assistance grants.
Storm event data is sourced from the NOAA Storm Events Database (2015-2025), which tracks significant weather events including thunderstorms, tornadoes, floods, and winter storms.
Flood insurance data comes from the FEMA National Flood Insurance Program (NFIP) OpenFEMA claims dataset.
This data is provided for informational purposes only. FEMA disaster declarations represent federal response actions and may not capture all local emergencies or weather events.
What this means for Hubbard County
Against a Minnesota county mean of 18 declarations, Hubbard County, MN records 10, or 44% fewer. PlainHazard classifies that historical total as high activity.
- Major Disaster is the largest group (7 of 10) in a declaration history that remains below its state benchmark; frequency here is not a forecast. Minnesota overview
- Nationally the county exceeds 10% of recorded county totals, but its own Minnesota benchmark is higher. The ranking keeps those two contexts separate. Most-disaster rankings
- A short NFIP claims file cannot establish low flood exposure; the data guide explains the limits of each federal measure. Disaster-data guide
A below-average federal record is not a safety guarantee. Use National Weather Service alerts and local emergency-management notices for present conditions, not this historical comparison.
PlainHazard derives this profile from FEMA's Disaster Declarations Summaries and National Risk Index data. The declaration comparison covers 3,266 U.S. counties and county equivalents in this database, refreshed as of 2026-08-03. Read our methodology - how this data is sourced, computed, and verified.
All federal data sources used on this page
- FEMA OpenFEMA, Disaster Declarations Summaries v2 - all federally-declared disasters for this county. fema.gov/openfema/disaster-declarations
- FEMA National Risk Index (NRI) - per-county per-hazard risk ratings and expected annual loss. hazards.fema.gov/nri
- NOAA NCEI Storm Events Database - state-level storm/severe-weather event records, 2015-2025. ncdc.noaa.gov/stormevents
Data sourced from official public datasets. See our methodology for details. Retrieved and formatted by PlainHazard Editorial
Verify with FEMA → · Verify with FEMA NRI → · Verify with NOAA →
Every figure on PlainHazard is rendered directly from FEMA federal disaster data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or national statistics report, the data & editorial changelog, or report a data error.