Natural hazards · Hardwick

Hardwick, CA natural hazards

Most of the natural-hazard damage FEMA expects in Hardwick comes from drought, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is Hardwick?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hardwick to be higher than in 76% of U.S. communities, mostly from drought and inland flooding.

Drought56%Inland flooding26%Earthquakes11%Heat waves6%

By hazard

What Hardwick faces

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

Drought

56% of expected damage

Recorded about 79 times a year in the area

Inland flooding

26% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once a year in the area

Earthquakes

11% of expected damage

Well above average · higher than 85% of U.S. places

Heat waves

6% of expected damage

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

Recorded about 11 times a year in the area

Lower here

TornadoesHailWinter weatherWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesAvalanchesTsunamisVolcanic 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 Hardwick flood?

FEMA's records show no paid flood insurance claims in Hardwick.

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Kings County.

Disasters that hit Hardwick

Federal disasters declared here

None of the disasters declared for Kings County shows FEMA aid or repair money reaching Hardwick itself in FEMA’s records.

Brought FEMA money into HardwickDeclared for Kings County only

Kings County has had 16 natural disasters declared since 1953, most often floods and severe storms.

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. Hardwick 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 Hardwick’s own flood-insurance community; household aid to the registrant’s city; repair grants to Hardwick. 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.