Hubbard County, Minnesota: hazard risk
FEMA rates Hubbard County's overall risk Very Low (score 35.2 of 100, higher than 35% of rated U.S. counties). Its storm record holds 575 events since 1950.
FEMA's rating for each hazard
These are FEMA's county-wide model ratings and this county's storm record. They are not an assessment of any property, address or building, and not insurance advice: a property's risk depends on its own elevation, construction and location.
FEMA gives each hazard its own rating, and a rating does not follow the score from one hazard to the next: a hazard with a higher score can carry a lower rating than another. The table sorts by FEMA's rating, then by score (0 to 100, the county against every other county for that hazard).
| Hazard | Risk rating | Score | Expected annual loss |
|---|---|---|---|
| Winter Weather | Relatively Moderate | 73.5 | $155K |
| Drought | Relatively Moderate | 67.8 | $454K |
| Landslide | Relatively Low | 74.3 | $9K |
| Wildfire | Relatively Low | 66.4 | $131K |
| Cold Wave | Relatively Low | 56.8 | $1.2M |
| Riverine Flooding | Relatively Low | 54.6 | $7.6M |
| Strong Wind | Relatively Low | 45.8 | $483K |
| Tornado | Relatively Low | 37.8 | $773K |
| Hail | Relatively Low | 34.7 | $144K |
| Lightning | Relatively Low | 28.1 | $101K |
| Heat Wave | Very Low | 21.7 | $71K |
| Ice Storm | Very Low | 20.1 | $16K |
| Earthquake | Very Low | 3.5 | $4K |
Source: FEMA National Risk Index, December 2025 release. A model of future loss, not a count of past events. FEMA's National Risk Index map.
What the record holds
| Hazard | Records | Deaths | Damage | Rank in state | Rank in U.S. |
|---|---|---|---|---|---|
| Hail | 173 | 0 | $439K | 69th of 87 | 1755th of 3,080 |
| Severe thunderstorm wind | 143 | 0 | $3.3M | 59th of 87 | 2301st of 3,080 |
| Winter storms | 108 | 0 | – | 69th of 87 | 1365th of 3,077 |
| Extreme cold | 61 | 0 | $34K | 24th of 87 | 332nd of 3,076 |
| Drought | 30 | 0 | – | 18th of 87 | 1313th of 3,063 |
| Tornadoes | 24 | 0 | $11M | 72nd of 87 | 2178th of 3,080 |
| High wind and dust storms | 11 | 0 | – | 69th of 87 | 2294th of 3,080 |
| Floods | 9 | 0 | $299K | 80th of 87 | 2777th of 3,080 |
| Lightning | 4 | 0 | $389K | 23rd of 87 | 1345th of 3,080 |
| Heat | 2 | 0 | – | 69th of 87 | 2172nd of 3,076 |
Source: NOAA NCEI Storm Events Database, 1950 to 2026-06-30; damage in 2025 dollars. Search the record at NCEI.
The full Hubbard County record: every hazard by year and month, the deadliest events and FEMA's declarations.