28 flood insurance claims·$291,698 paid·1 federal flood & hurricane disasters
Share of the whole county outline, rivers and lakes included; parts FEMA hasn’t mapped count as zero.
Shaded areas are FEMA’s mapped flood hazard zones in and around Hubbard County, Minnesota. Zoomed out they are simplified; at street level the map switches to FEMA’s exact layer. Tap anywhere to check that spot, or search an address above.
In flood insurance claims here that reported a flood depth, the average was 1 inches.
Drawn to scale against an 80-inch door. Even a few inches soaks flooring, the bottom of the drywall and anything plugged in near the floor.
Average of the depths reported on claims (zero and implausible values left out); FEMA’s record doesn’t say exactly where each depth was measured. Source: OpenFEMA NFIP claims.
The worst year was 2001, with 10 claims and $248,992 paid, the year of Severe Winter Storms, Flooding, and Tornadoes.
Bar height is scaled by square root so ordinary years stay visible next to the worst one. NFIP claims by year of loss. Source: OpenFEMA.
3 NOAA storm reports from Hubbard County describe what happened, in the words of the forecasters who covered it. Read the Minnesota flood stories →
10 federal disaster declarations since 1976, 1 of them floods, coastal storms or hurricanes.
| Disaster | Began |
|---|---|
| Severe Storms And Flooding | Mar 16, 2009 |
| Hurricane Katrina Evacuation | Aug 29, 2005 |
| Severe Storms, Flooding And Tornadoes | Jun 9, 2002 |
| Severe Storms, Winds, And Flooding | Jul 4, 1999 |
| Severe Flooding, High Winds,severe Storms | Mar 21, 1997 |
| Severe Winter Storms | Jan 3, 1997 |
| Severe Thunderstorms, Winds, Flooding, Tornadoes, And Heat | Jul 9, 1995 |
| Drought | Jun 17, 1976 |
Weather and water disasters only; most recent first. Source: OpenFEMA Disaster Declarations.
9 since 1996: 5 flash floods and 4 river or area floods.
| Event | Date | Damage |
|---|---|---|
| Flash Flood | Jul 11, 2016 | $2,000 |
| Flood | Apr 28, 2013 | $5,000 |
| Flash Flood | Jul 4, 2010 | $100,000 |
| Flood | Mar 25, 2009 | $5,000 |
| Flash Flood | Jun 26, 2005 | — |
| Flood | Jun 23, 2002 | — |
| Flash Flood | Jun 22, 2002 | — |
| Flood | Sep 1, 1999 | — |
— = no damage estimate in the record. Source: NOAA Storm Events Database.
Flash Flood · Jul 11, 2016. By the early evening of July 11th, surface low pressure was located over northeast South Dakota, with a warm front extending out to the east into Minnesota. Slow moving thunderstorms formed north of the warm front and dropped large amounts of rain. Other thunderstorms formed later, along a line from Jamestown to Devils Lake to Rock Lake. One storm along this line produced strong winds from Langdon to Walhalla, in…
Flood · Apr 28, 2013. Melting snow caused overland flooding across portions of northwest Minnesota. Many rural roads were closed due to high water from the melting snow.
Flash Flood · Jul 4, 2010. During the late afternoon of July 3rd, high temperatures across west central Minnesota peaked in the upper 80s with dew points in the low 70s. With nightfall, thunderstorms broke out and moved into west central Minnesota. Several rounds of slow moving thunderstorms with very heavy rain hit the Detroit Lakes to Park Rapids corridor particularly hard. The highest rain total actually occurred at Osage, where 5.65 inc…
Flood · Mar 25, 2009. A stretch of warmer weather occurred from March 14th to 17th, which resulted in high temperatures in the 40s and low 50s. The snow depth in Fargo on the 14th was 15 inches with a melted water equivalent of 3.10 inches. By the 17th, the snow depth in Fargo had dropped to 6 inches. This was followed by a couple of cooler days, which temporarily slowed down any additional snowmelt. A second period of warmer weather b…
National Weather Service narratives, lightly trimmed. Source: NOAA Storm Events Database.
Every colour on the map above is a place on this drawing: where the ground sits relative to the flood FEMA plans for.
If a building in Hubbard County is in a high-risk zone (A or V) and its mortgage comes from a federally regulated or insured lender, or is federally backed, flood insurance is required.
Outside those zones it is optional, and often worth having: from 2014 to 2024 nearly one-third of NFIP claims came from outside the high-risk Special Flood Hazard Area. Since Risk Rating 2.0, NFIP premiums are set for each building, so the only reliable price is a quote: FloodSmart.gov or a local agent.