Natural hazards · Gardner

Gardner, CO natural hazards

Most of the natural-hazard damage FEMA expects in Gardner comes from inland flooding, 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 Gardner?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gardner to be higher than in 73% of U.S. communities, mostly from inland flooding and wildfires.

Inland flooding61%Wildfire15%Hail7%Lightning6%Everything else10%

By hazard

What Gardner faces

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

Inland flooding

61% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about 2 times a year in the area

Wildfire

15% of expected damage

Well above average · higher than 97% of U.S. places

Hail

7% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about 2 times a year in the area

Lightning

6% of expected damage

Above average · higher than 65% of U.S. places

Lower here

TornadoesIce stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong windDroughtAvalanches

Not a risk here

Coastal floodingHurricanesTsunamisVolcanic 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 Gardner flood?

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

of all homes
are insured

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

Insurance rates: Huerfano County.

Disasters that hit Gardner

Federal disasters declared here

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

Brought FEMA money into GardnerDeclared for Huerfano County only

Huerfano County has had 8 natural disasters declared since 1953, most often fires and winter 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. Gardner 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 Gardner’s own flood-insurance community; household aid to the registrant’s city; repair grants to Gardner. 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.