Natural hazards · Garland

Garland, AR natural hazards

Most of the natural-hazard damage FEMA expects in Garland comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 5 claims here since 1998. 2 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Garland?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Garland to be higher than in 70% of U.S. communities, mostly from inland flooding and drought.

Inland flooding30%Drought18%Hail16%Tornadoes12%Ice storms8%Everything else17%

By hazard

What Garland faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

30% of expected damage

Below average · higher than 47% of U.S. places

Recorded about once a year in the area

Drought

18% of expected damage

Recorded about 26 times a year in the area

Hail

16% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

12% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 6 years in the area

Ice storms

8% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about once every 2 years in the area

Lower here

HurricanesWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

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

Flood insurance claims

Does Garland flood?

Every paid claim on a federal flood insurance policy in Garland, from FEMA’s records.

5paid claims since 1998

$30Kpaid to owners

0homes flooded more than once

19982026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Garland isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Miller County.

Disasters that hit Garland

2 federal disasters brought FEMA money here

Disasters the President declared that paid out in Garland itself: aid to households, or repair grants to the Town of Garland.

Brought FEMA money into GarlandDeclared for Miller County only

2015

Severe Storms, Tornadoes, Straight-Line Winds, and Flooding

$4K to the Town of Garland for repairs

2000

Severe Winter Ice Storm

$9K to the Town of Garland for repairs

Miller County has had 17 natural disasters declared since 1953, most often severe storms and hurricanes.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Garland is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Garland’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Garland. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); 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. Census tracts: U.S. Census Bureau.