Natural hazards · Gardi

Gardi, GA natural hazards

Most of the natural-hazard damage FEMA expects in Gardi comes from hurricanes, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Gardi?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gardi to be higher than in 67% of U.S. communities, mostly from hurricanes and inland flooding.

Hurricanes47%Inland flooding26%Tornadoes9%Cold waves7%Everything else12%

By hazard

What Gardi faces

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

Hurricanes

47% of expected damage

Well above average · higher than 93% of U.S. places

Recorded about once every 3 years in the area

Inland flooding

26% of expected damage

Below average · higher than 27% of U.S. places

Recorded about once every 3 years in the area

Tornadoes

9% of expected damage

Above average · higher than 54% of U.S. places

Recorded about once every 10 years in the area

Cold waves

7% of expected damage

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

Recorded about once a year in the area

Lower here

Coastal floodingHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

AvalanchesTsunamisVolcanic 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 Gardi flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Wayne County.

Disasters that hit Gardi

1 federal disaster brought FEMA money here

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

Brought FEMA money into GardiDeclared for Wayne County only

2016

Hurricane Matthew

1 household applied for aid

Wayne County has had 13 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. Gardi 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 Gardi’s own flood-insurance community; household aid to the registrant’s city; repair grants to Gardi. 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.