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Natural hazards · Gardner

Gardner, KS natural hazards

Most of the natural-hazard damage FEMA expects in Gardner comes from inland flooding, and overall the risk is low for a U.S. community. Flood insurance has paid 7 claims here since 1990.

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

How exposed is Gardner?

32
Low
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gardner to be higher than in 32% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding47%Tornadoes21%Cold waves9%Heat waves8%Hail7%Everything else7%
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

47% of expected damage
Below average · higher than 41% of U.S. places
Recorded about 3 times a year in the area

Tornadoes

21% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about once every 72 years in the area

Cold waves

9% of expected damage
Above average · higher than 53% of U.S. places
Recorded about 2 times a year in the area

Heat waves

8% of expected damage
Well above average · higher than 89% of U.S. places
Recorded about 15 times a year in the area

Hail

7% of expected damage
Well above average · higher than 90% of U.S. places
Recorded about 10 times a year in the area

Lower here

Ice stormsWinter weatherWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesAvalanchesTsunamisVolcanic 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?

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

7paid claims since 1990
$211Kpaid to owners
0homes flooded more than once
19902026

Biggest named events

  • Midwest Flooding: 1 claim, $45K
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: Johnson County.
Disasters that hit Gardner

Federal disasters declared here

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

Brought FEMA money into GardnerDeclared for Johnson County only
Johnson County has had 10 natural disasters declared since 1953, most often severe storms and floods.
Around Gardner

Gardner and the towns around it

Gardner: Low, mostly inland floodingEdgerton: High, mostly inland floodingOlathe: Low, mostly inland floodingMcCamish: High, mostly inland floodingSpring Hill: Low, mostly inland floodingLexington: Low, mostly inland floodingRichland: Moderate, mostly inland floodingLenexa: Low, mostly inland floodingOxford: Low, mostly inland floodingOverland Park: Low, mostly inland floodingDe Soto: Moderate, mostly inland floodingAubry: Low, mostly inland floodingPalmyra: Low, mostly inland floodingSpring Hill: Low, mostly inland floodingSherman: Moderate, mostly inland floodingEudora: Moderate, mostly inland floodingShawnee: Low, mostly inland floodingMarysville: Moderate, mostly inland floodingFranklin: Moderate, mostly inland floodingStanton: Moderate, mostly inland floodingPeoria: Moderate, mostly inland floodingWellsville: Moderate, mostly inland floodingGardner: Low, mostly inland flooding GardnerGardnerEdgertonOlatheMcCamishSpring HillLexingtonRichland
Very lowLowModerateHighVery high
Edgertonmostly inland floodingHigh
McCamishmostly inland floodingHigh
Richlandmostly inland floodingModerate
Lexingtonmostly inland floodingLow
Olathemostly inland floodingLow
Gardnermostly inland floodingLow
Gardnermostly inland floodingLow
Spring Hillmostly inland floodingLow
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 covers 2 census tracts, combined by population.
Money that reached townFlood claims are matched to Gardner’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Township of Gardner. 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 Gardner total about $5.2M 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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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