Photo: Brian Stansberry · CC BY 4.0Storms, floods and disasters in Hartville
Hartville isn’t graded for hazard risk: Hartville has 610 residents; we grade towns of 1,000 or more.
What Hartville 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
Ice storms
Earthquakes
Strong wind
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 Hartville flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Hartville. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Hartville isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Wright County.10 federal disasters brought FEMA money to Hartville
Disasters that paid out in Hartville itself (aid to households or repair grants to the City of Hartville), newest first, with that year’s flood claims.
- 2025Severe Storms, Straight-line Winds, Tornadoes, and Wildfires11 households applied for aid$77K aid approved
- 2019Severe Storms, Tornadoes, and Flooding$20K to the City of Hartville for repairs
- 2017Severe Storms, Tornadoes, Straight-line Winds and Flooding4 households applied for aid$12K aid approved
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding$28K to the City of Hartville for repairs
- 2011Severe Storms, Tornadoes, and Flooding$15K to the City of Hartville for repairs
- 2008Severe Storms, Flooding, and a Tornado$2K to the City of Hartville for repairs
Show all 10
- 2008Severe Storms and Flooding$7K to the City of Hartville for repairs
- 2008Severe Winter Storms and Flooding$3K to the City of Hartville for repairs
- 2007Severe Winter Storms and Flooding$2K to the City of Hartville for repairs
- 2006Severe Storms, Tornadoes and Flooding27 households applied for aid$46K aid approved
Wright County has had 21 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Hartville after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hartville archive →Get ready for what Hartville 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.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Hartville
Is Hartville 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 Wright County, 3% of homes in mapped flood zones carry federal flood insurance, and 0.0% of all homes do.
How much is flood insurance in Hartville?
FEMA’s Community Rating System list shows no discount for Hartville’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 Hartville?
By FEMA money that reached Hartville, Severe Storms, Straight-line Winds, Tornadoes, and Wildfires (2025): 11 households applied for aid, $77K approved.
Storm stories
Memories, warnings and help from neighbors in Hartville.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hartville’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.