Photo: Nyttend · Public domainOn FEMA’s figures, Hubbard faces less hazard damage per building than 94% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Hubbard gets an A for hazard risk: lower expected damage per building than 94% of U.S. towns, #128 of 993 in Ohio. Most of that expected damage is river and rain flooding (78%). Flood insurance has paid 8 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 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’s grade
River and rain flooding is 78% of the building damage FEMA expects in Hubbard, and Hubbard’s rate of river and rain flooding damage is lower than 79% of U.S. census tracts. Next is tornadoes at 9% (higher than 56% of U.S. census tracts).
A #128 of 993 in Ohio; lower expected damage per building than 94% of U.S. towns (21,298).
Hubbard’s residents live in 3 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 has less expected damage per building than 87% of Ohio towns.
In dollars, FEMA expects about $1.2M a year in losses across Hubbard: $880K to buildings, the rest to people and crops.
Does Hubbard flood? Rarely: 8 flood claims since 1980
Every paid claim on a federal flood insurance policy in Hubbard, from FEMA’s records: 2.1 per 1,000 homes, fewer than 60% of the 13,809 U.S. towns with a flood insurance record.
- The Late winter storms1 claim · $10K
Hubbard 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.3 federal disasters brought FEMA money to Hubbard
Disasters that paid out in Hubbard itself (aid to households or repair grants to the City of Hubbard), newest first, with that year’s flood claims.
- 2004Severe Storms and Flooding21 households applied for aid$24K aid approved
- 2004Severe Storms and Flooding1 households applied for aid$1K aid approved
- 2003Tornadoes, Flooding, Severe Storms, and High Winds430 households applied for aid$581K aid approved$243K to the City of Hubbard for repairs2 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 after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Hubbard archive →Hubbard and its neighbors
Hubbard has the lowest expected damage per building of the 1 graded towns here. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Hubbard | Aless damage than 94% | river and rain flooding | 8 |
| Maplewood Park | — | 155 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 Hubbard 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
Is Hubbard at risk for natural disasters?
On FEMA’s National Risk Index, Hubbard has lower expected damage per building than 94% of U.S. towns: A for hazard risk, #128 of 993 in Ohio. Most of the expected damage is river and rain flooding (78%) and tornadoes (9%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Hubbard flood?
Flood insurance has paid 8 claims in Hubbard since 1980, $56K in all, or 2.1 per 1,000 homes, fewer than 60% of U.S. towns with a flood insurance record. 1 properties have flooded more than once. The most claims came from Late winter storms (1).
Is Hubbard 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?
FEMA’s Community Rating System list shows no discount for Hubbard’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?
By FEMA money that reached Hubbard, Tornadoes, Flooding, Severe Storms, and High Winds (2003): 430 households applied for aid, $581K approved, and $243K to the City of Hubbard for repairs. By flood claims, Late winter storms: 1 paid, $10K.
Is Hubbard at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (78%), and Hubbard’s rate for it is lower than 79% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Hubbard.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Hubbard’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.