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DowntownHubbard2 (1 of 1)Photo: Renelibrary · CC BY-SA 4.0
B+Hazard risk
Natural hazards in Hubbard · FEMA

FEMA puts Hubbard’s expected hazard damage per building below that of 75% of U.S. towns, mostly from river and rain flooding

On FEMA’s National Risk Index, Hubbard gets a B+ for hazard risk: lower expected damage per building than 75% of U.S. towns. Most of that expected damage is river and rain flooding (58%), then tornadoes (21%). FEMA’s files show no paid flood insurance claims here.

River and rain flooding 58%Tornadoes 21%Hail 6%

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

less than 75%of U.S. townsLess damageMoreExpected yearly damage per dollar of building, vs. the 21,298 U.S. towns we grade
Hazard risk
B+
in Texas · lower than 75% of U.S. towns
Main hazard
River and rain flooding
58% of expected building damage
Flood claims
0
paid since 1978 · $0
Disasters paid out here
4
of 19 declared for Hill County
By hazard

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

58%of expected building damage
Below average · lower than 77% of U.S. census tracts
Recorded about once a year in the area

Tornadoes

21%of expected building damage
Well above average · in the top 7% of U.S. census tracts
Recorded about once every 7 years in the area

Hail

6%of expected building damage
Well above average · higher than 83% of U.S. census tracts
Recorded about 5 times a year in the area
Smaller shares here
 Hurricanes Ice storms Wildfire Strong wind Earthquakes Lightning top 3% Cold waves top 2% Winter storms Heat waves Landslides
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity
People, not buildings.Counting harm to people as well as buildings, FEMA’s model puts cold waves at 44% of Hubbard’s expected losses. Cold waves do little damage to buildings (0.4%), so they aren’t part of the grade.

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.

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Hazard risk grade

What’s behind Hubbard’s grade

River and rain flooding is 58% of the building damage FEMA expects in Hubbard, and Hubbard’s rate of river and rain flooding damage is lower than 77% of U.S. census tracts. Tornadoes add 21%, at a rate in the top 7% of U.S. census tracts.

Where Hubbard sits
Hubbard
Least damageMiddleMost damage

B+ lower expected damage per building than 75% of U.S. towns (21,298).

All of Hubbard’s residents live in one census tract; the figures are that tract’s.

What drives the damage to buildings
River and rain flooding58%Tornadoes21%Hail6%Everything else15%

In dollars, FEMA expects about $910K a year in losses across Hubbard: $238K to buildings, the rest to people and crops.

Shared tract.All of Hubbard’s 1,394 residents (2020 census) live in one census tract, which it shares with Mount Calm city (282 residents) and Malone town (237 residents) and Penelope town (180 residents). FEMA publishes its model by tract, so the rate and the hazard mix are the tract’s, the same for all of them. The flood claims below are the town’s own.
A shared figure. The grade describes the whole tract, not each street in it, and FEMA’s model is an average year for today’s buildings, not a record: the claims below are the record.

How TownRatings grades hazard risk →

Flood insurance claims

Does Hubbard flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Hubbard. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

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: Hill County.
Disasters

4 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.

  1. 2021Severe Winter Storms48 households applied for aid$32K aid approved
  2. 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding1 households applied for aid$249 aid approved$129K to the City of Hubbard for repairs
  3. 2015Severe Storms, Tornadoes, Straight-line Winds and Flooding$9K to the City of Hubbard for repairs
  4. 2007Severe Storms, Tornadoes, and Flooding$12K to the City of Hubbard for repairs
Disasters declared, by decade
Paid out in HubbardHill County only

Hill County has had 19 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.

Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Hill County, 2000–2000.

Were you here?

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 →
Be ready

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.

When the river rises
  • 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.
More from Ready.gov ↗
Tornado warnings
  • 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.
More from Ready.gov ↗
Hail
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

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 75% of U.S. towns: B+ for hazard risk. Most of the expected damage is river and rain flooding (58%) and tornadoes (21%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.

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 Hill County, 16% of homes in mapped flood zones carry federal flood insurance, and 0.5% 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, Severe Storms, Tornadoes, Straight-line Winds, and Flooding (2015): 1 households applied for aid, $249 approved, and $129K to the City of Hubbard for repairs.

Is Hubbard at risk from river and rain flooding?

It is the largest share of the building damage FEMA expects here (58%), and Hubbard’s rate for it is lower than 77% of U.S. census tracts.

Storm stories

Memories, warnings and help from neighbors in Hubbard.

Town Square →
Start the conversation

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.