Natural hazards · Garfield

Garfield, KS natural hazards

Most of the natural-hazard damage FEMA expects in Garfield comes from drought, and overall the risk is high for a U.S. community. 3 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Garfield?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Garfield to be higher than in 68% of U.S. communities, mostly from drought and hail.

Drought28%Hail26%Inland flooding24%Tornadoes8%Cold waves8%Everything else7%

By hazard

What Garfield faces

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

Drought

28% of expected damage

Recorded about 66 times a year in the area

Hail

26% of expected damage

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

Recorded about 11 times a year in the area

Inland flooding

24% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

8% of expected damage

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

Recorded about once a year in the area

Cold waves

8% of expected damage

Below average · higher than 35% of U.S. places

Recorded about 3 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Garfield flood?

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

of all homes
are insured

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

Insurance rates: Pawnee County.

Disasters that hit Garfield

3 federal disasters brought FEMA money here

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

Brought FEMA money into GarfieldDeclared for Pawnee County only

2017

Severe Winter Storm

$7K to the City of Garfield for repairs

2007

Severe Winter Storms

$4K to the City of Garfield for repairs

2007

Severe Storms and Flooding

21 households applied for aid $18K aid approved $7K to the City of Garfield for repairs

Pawnee County has had 25 natural disasters declared since 1953, most often severe storms 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. Garfield 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 Garfield’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Garfield. 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.