Photo: Nyttend · Public domainStorms, floods and disasters in Hardin
Hardin isn’t graded for hazard risk: Hardin has 663 residents; we grade towns of 1,000 or more. Flood insurance has paid 421 claims here since 1978.
What Hardin faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
Does Hardin flood? Yes: 421 flood claims since 1978
Every paid claim on a federal flood insurance policy in Hardin, from FEMA’s records.
- The Midwest Flooding97 claims · $2.3M
- The Mid-spring storms3 claims · $7K
- The Early winter storms3 claims · $6K
Hardin isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Calhoun County.7 federal disasters brought FEMA money to Hardin
Disasters that paid out in Hardin itself (aid to households or repair grants to the Village of Hardin), newest first, with that year’s flood claims.
- 2019Severe Storms and Flooding$296K to the Village of Hardin for repairs23 flood claims paid that year
- 2013Severe Storms, Straight-line Winds, and Flooding13 households applied for aid$22K aid approved$55K to the Village of Hardin for repairs6 flood claims paid that year
- 2011Severe Winter Storm and Snowstorm$5K to the Village of Hardin for repairs4 flood claims paid that year
- 2008Severe Storms and Flooding5 households applied for aid$2K aid approved$34K to the Village of Hardin for repairs6 flood claims paid that year
- 2006Severe Winter Storm$4K to the Village of Hardin for repairs
- 2002Severe Storms, Tornadoes and Flooding$19K to the Village of Hardin for repairs2 flood claims paid that year
Show all 7
- 1999Il-winter Storm 1/1/99$4K to the Village of Hardin for repairs
Calhoun County has had 22 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Hardin after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hardin archive →Hardin and its neighbors
How expected damage per building compares across the town line. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Woodville Township | — | 293 residents; we grade 1,000+ | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Hardin faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Hardin
Does Hardin flood?
Flood insurance has paid 421 claims in Hardin since 1978, $4.5M in all. 19 properties have flooded more than once. The most claims came from Midwest Flooding (97).
Is Hardin in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Calhoun County, 21% of homes in mapped flood zones carry federal flood insurance, and 3.1% of all homes do.
How much is flood insurance in Hardin?
FEMA’s Community Rating System list shows no discount for Hardin’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Hardin?
By FEMA money that reached Hardin, Severe Storms and Flooding (2019): $296K to the Village of Hardin for repairs. By flood claims, Midwest Flooding: 97 paid, $2.3M.
Storm stories
Memories, warnings and help from neighbors in Hardin.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hardin’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.