Natural Disasters in Hubbard Lake, MI
Hazard risk, disaster history, and FEMA data
Natural Hazard Risk
Source: FEMA National Risk IndexRisk Score
17.7
Very Low
Expected Annual Loss
12.0
Score (0-100)
Social Vulnerability
84.9
Score (0-100)
Community Resilience
53.8
Score (0-100)
Top Hazard Risks
| Hazard | Risk Score |
|---|---|
| Lightning | 57.5 |
| Landslide | 53.7 |
| Cold Wave | 45.0 |
| Wildfire | 41.3 |
| Coastal Flood | 30.0 |
| Hurricane | 29.5 |
| Hail | 26.0 |
| Tornado | 20.7 |
| Strong Wind | 14.7 |
| Heat Wave | 11.5 |
| Ice Storm | 11.3 |
| Earthquake | 7.3 |
| Winter Weather | 4.8 |
Scores range from 0 (lowest risk) to 100 (highest risk) relative to all U.S. communities. Data from FEMA National Risk Index.
Disaster Declarations
Source: FEMA OpenFEMATotal Declarations
8
Most Recent
Severe Ice Storm
Jul 2025
Most Common Type
Biological
2 declarations
| Date | Type | Declaration |
|---|---|---|
| Jul 22, 2025 | Severe Ice Storm | SEVERE WINTER STORM |
| Mar 27, 2020 | Biological | COVID-19 PANDEMIC |
| Mar 13, 2020 | Biological | COVID-19 |
| Sep 7, 2005 | Hurricane | HURRICANE KATRINA EVACUATION |
| Jan 27, 1999 | Snowstorm | MI - SEVERE WEATHER 1/2 /99 |
| Sep 18, 1985 | Flood | SEVERE STORMS AND FLOODING |
| Jan 27, 1978 | Snowstorm | BLIZZARDS & SNOWSTORMS |
| Mar 2, 1977 | Drought | DROUGHT |
Individual Assistance
Source: FEMA Housing AssistanceTotal IA Registrations
11
Total IA Distributed
$42,849
| Disaster | Registrations | Total IA $ | Avg Damage |
|---|---|---|---|
| DR-4195 | 1 | N/A | — |
| DR-4494 | 10 | $42,849 | — |
Individual and household assistance for homeowners and renters affected by federally declared disasters.
Flood Insurance (NFIP)
Source: FEMA NFIPTotal Claims
13
Total Claims Paid
$24,641
Avg Claim Payout
$1,895
County-level NFIP data from FEMA National Flood Insurance Program.
Disaster Recovery Spending
Source: FEMA Public AssistanceTotal Federal Spending
$64,187
Disasters with PA
2
Total Projects
8
| Disaster | Type | Projects | Federal $ |
|---|---|---|---|
| DR-4880 | Winter Storm | 7 | $57,463 |
| DR-3137 | Snow | 1 | $6,725 |
Hazard Mitigation
Source: FEMA Hazard Mitigation AssistanceMitigation Projects
1
Federal Funding
$180,000
Avg Benefit-Cost Ratio
1.65
BCR
Top Mitigation Project Types
| Project Type | Projects | Federal $ |
|---|---|---|
| 402.1: Infrastructure Protective Measures (Roads and Bridges) | 1 | $180,000 |
Federally funded projects to reduce future disaster risk. Only includes completed or obligated projects.
Hubbard Lake has a very low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are lightning, landslide, cold wave. The area has had 8 federal disaster declarations. The most common disaster type is biological (2 declarations). 13 flood insurance claims have been filed in the area. FEMA has obligated $64,187 in public assistance recovery funding. $42,849 has been distributed in individual assistance to disaster-affected residents. 1 hazard mitigation projects have been funded to reduce future risk.