Natural hazards · Garber

Garber, IA natural hazards

Most of the natural-hazard damage FEMA expects in Garber comes from inland flooding, and overall the risk is high for a U.S. community. Flood insurance has paid 4 claims here since 1999. 6 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Garber?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Garber to be higher than in 79% of U.S. communities, mostly from inland flooding.

Inland flooding65%Tornadoes9%Hail8%Cold waves8%Everything else9%

By hazard

What Garber faces

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

Inland flooding

65% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about once every 8 years in the area

Hail

8% of expected damage

Well above average · higher than 90% of U.S. places

Recorded about 4 times a year in the area

Cold waves

8% of expected damage

Above average · higher than 51% of U.S. places

Recorded about 7 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Garber flood?

Every paid claim on a federal flood insurance policy in Garber, from FEMA’s records.

4paid claims since 1999

$60Kpaid to owners

1homes flooded more than once

19992026

Biggest named events

Storm: 1 claim, $9K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Clayton County.

What’s been done with FEMA grants

9flood-prone properties bought out and cleared

Disasters that hit Garber

6 federal disasters brought FEMA money here

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

Brought FEMA money into GarberDeclared for Clayton County only

2019

Severe Storms and Flooding

$4K to the City of Garber for repairs

2013

Severe Storms, Tornadoes, and Flooding

$11K to the City of Garber for repairs

2010

Severe Storms, Flooding, and Tornadoes

1 household applied for aid $2K aid approved

2008

Severe Storms, Tornadoes, and Flooding

4 households applied for aid $2K aid approved $74K to the City of Garber for repairs

2004

Severe Storms, Tornadoes, and Flooding

25 households applied for aid $151K aid approved $96K to the City of Garber for repairs

1999

Severe Storms, Flooding, and Tornadoes

$47K to the City of Garber for repairs

Clayton County has had 24 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. Garber 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 Garber’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Garber. 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.

Garber, IA natural hazards

How exposed is Garber?

What Garber faces

Inland flooding

Tornadoes

Hail

Cold waves

Lower here

Not a risk here

Does Garber flood?

Biggest named events

Homes that flooded again and again

What’s been done with FEMA grants

6 federal disasters brought FEMA money here

Severe Storms and Flooding

Severe Storms, Tornadoes, and Flooding

Severe Storms, Flooding, and Tornadoes

Severe Storms, Tornadoes, and Flooding

Severe Storms, Tornadoes, and Flooding

Severe Storms, Flooding, and Tornadoes

How to read this page

Where to, neighbor?

Matches

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