Hardy, AR natural hazards
Most of the natural-hazard damage FEMA expects in Hardy comes from inland flooding, and overall the risk is very high for a U.S. community. Flood insurance has paid 67 claims here since 1982. 9 federal disasters brought FEMA money into town.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsHow exposed is Hardy?
FEMA expects yearly storm and flood damage to homes and buildings in Hardy to be higher than in 90% of U.S. communities, mostly from inland flooding.
What Hardy faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Inland flooding
Ice storms
Earthquakes
Tornadoes
Cold waves
Lower here
Not a risk here
Does Hardy flood?
Every paid claim on a federal flood insurance policy in Hardy, from FEMA’s records.
Biggest named events
- March storm: 22 claims, $890K
- Central U.S. April Flooding: 17 claims, $1.4M
- Mid-spring storms: 10 claims, $212K
Homes that flooded again and again
■ FEMA “severe repetitive loss” (2) ■ flooded 2+ times
are insured
are insured
What’s been done with FEMA grants
9 federal disasters brought FEMA money here
Disasters the President declared that paid out in Hardy itself: aid to households, or repair grants to the City of Hardy.
Severe Storms, Tornadoes, and Flooding
Severe Storms and Tornadoes
Severe Storms,tornadoes, and Flooding
Severe Storms, Tornadoes, and Associated Flooding
Severe Storms, Tornadoes, and Flooding
Severe Winter Storm
Tropical Storm Ike
Severe Storms, Tornadoes, and Flooding
Severe Winter Ice Storm
How to read this page
FEMA’s expected losses across Hardy total about $2.8M a year, counting buildings, people and crops.
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.