Natural hazards · Gardner

Gardner, FL natural hazards

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

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

Expected damage

How exposed is Gardner?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gardner to be higher than in 94% of U.S. communities, mostly from strong winds and hurricanes.

Strong wind39%Hurricanes34%Cold waves10%Inland flooding8%Everything else9%

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.

Strong wind

39% of expected damage

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

Recorded about once a year in the area

Hurricanes

34% of expected damage

Well above average · higher than 95% of U.S. places

Recorded about once every 4 years in the area

Cold waves

10% of expected damage

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

Recorded about 4 times a year in the area

Inland flooding

8% of expected damage

Below average · higher than 38% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailHeat wavesWildfireEarthquakesLandslidesLightningDrought

Not a risk here

Coastal floodingIce stormsWinter weatherAvalanchesTsunamisVolcanic 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 homes in flood zones
are insured

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: Hardee County.

Disasters that hit Gardner

Federal disasters declared here

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

Brought FEMA money into GardnerDeclared for Hardee County only

Hardee County has had 29 natural disasters declared since 1953, most often hurricanes 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. 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.