Photo: Nyttend · Public domainFEMA expects less hazard damage per building in Hubbard Township than in 96% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Hubbard Township gets an A+ for hazard risk: lower expected damage per building than 96% of U.S. towns, #86 of 993 in Ohio. Most of that expected damage is river and rain flooding (77%). Flood insurance has paid 12 claims here since 1980.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Hubbard Township 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
Tornadoes
Hail
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.
What’s behind Hubbard Township’s grade
River and rain flooding is 77% of the building damage FEMA expects in Hubbard Township, and Hubbard Township’s rate of river and rain flooding damage is lower than 82% of U.S. census tracts. Next is tornadoes at 9% (higher than 56% of U.S. census tracts).
A+ #86 of 993 in Ohio; lower expected damage per building than 96% of U.S. towns (21,298).
Hubbard Township’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
The typical Ohio town has lower expected damage than 79% of U.S. towns; within the state, Hubbard Township has less expected damage per building than 91% of Ohio towns.
In dollars, FEMA expects about $2.1M a year in losses across Hubbard Township: $1.6M to buildings, the rest to people and crops.
Does Hubbard Township flood? Sometimes: 12 flood claims since 1980
Every paid claim on a federal flood insurance policy in Hubbard Township, from FEMA’s records: 1.9 per 1,000 homes, fewer than 64% of the 13,809 U.S. towns with a flood insurance record.
- The Late winter storms2 claims · $100K
Hubbard Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Trumbull County.1 federal disaster brought FEMA money to Hubbard Township
Disasters that paid out in Hubbard Township itself (aid to households or repair grants to Hubbard Township), newest first, with that year’s flood claims.
- 2003Tornadoes, Flooding, Severe Storms, and High Winds$60K to Hubbard Township for repairs3 flood claims paid that year
Trumbull County has had 8 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 Hubbard Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hubbard Township archive →Hubbard Township and its neighbors
Hubbard Township is 2nd of the 5 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Youngstown | A+less damage than 96% | river and rain flooding | 40 |
| Hubbard Township | A+less damage than 96% | river and rain flooding | 12 |
| Liberty Township | Aless damage than 89% | river and rain flooding | 31 |
| Brookfield Township | B+less damage than 68% | river and rain flooding | 9 |
| Shenango Township | Cmore damage than 68% | river and rain flooding | — |
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 Hubbard Township 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- 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 Hubbard Township
Is Hubbard Township at risk for natural disasters?
On FEMA’s National Risk Index, Hubbard Township has lower expected damage per building than 96% of U.S. towns: A+ for hazard risk, #86 of 993 in Ohio. Most of the expected damage is river and rain flooding (77%) and tornadoes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Hubbard Township flood?
Flood insurance has paid 12 claims in Hubbard Township since 1980, $257K in all, or 1.9 per 1,000 homes, fewer than 64% of U.S. towns with a flood insurance record. The most claims came from Late winter storms (2).
Is Hubbard Township 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 Trumbull County, 20% of homes in mapped flood zones carry federal flood insurance, and 0.4% of all homes do.
How much is flood insurance in Hubbard Township?
FEMA’s Community Rating System list shows no discount for Hubbard Township’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 Hubbard Township?
By FEMA money that reached Hubbard Township, Tornadoes, Flooding, Severe Storms, and High Winds (2003): $60K to Hubbard Township for repairs. By flood claims, Late winter storms: 2 paid, $100K.
Is Hubbard Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (77%), and Hubbard Township’s rate for it is lower than 82% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hubbard Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hubbard Township’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.