Natural Disaster Risk in Hubbard

Natural Hazard Profile: Hubbard, Iowa

Hubbard is a small community of about 1,297 in Hardin County, in the interior eastern United States. The area experiences cold winters, hot summers, and frequent severe weather, with a tornado-active spring season shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Hubbard.

According to FEMA's National Risk Index, Hubbard carries an overall risk score of 5.6/10, placing it in the moderate category. Hail is the primary natural disaster concern, with severe storms delivering baseball-sized or larger hailstones that cause significant insured losses each year. The area also faces notable exposure to drought and tornado.

Hubbard's risk score, near the 5.4/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Hardin County, the highest-scoring are hail, drought, and tornado. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Hubbard residents are well-served by maintaining standard preparedness practices — an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for hail is recommended.