Natural hazards · Hardwick

Hardwick, GA natural hazards

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

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

Expected damage

How exposed is Hardwick?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hardwick to be higher than in 24% of U.S. communities, mostly from inland flooding.

Inland flooding61%Tornadoes10%Heat waves9%Earthquakes5%Everything else16%

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.

Inland flooding

61% of expected damage

Below average · higher than 39% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

10% of expected damage

Above average · higher than 58% of U.S. places

Heat waves

9% of expected damage

Above average · higher than 52% of U.S. places

Recorded about 7 times a year in the area

Earthquakes

5% of expected damage

Above average · higher than 57% of U.S. places

Lower here

HurricanesHailIce stormsWinter weatherCold wavesWildfireLandslidesStrong windLightning

Not a risk here

Coastal floodingDroughtAvalanchesTsunamisVolcanic 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: Baldwin County.

Disasters that hit Hardwick

Federal disasters declared here

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

Brought FEMA money into HardwickDeclared for Baldwin County only

Baldwin County has had 9 natural disasters declared since 1953, most often hurricanes 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. Hardwick covers 1 census tract, combined by population.

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.

FEMA’s expected losses across Hardwick total about $863K 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.