Natural hazards · German

German, KS natural hazards

Most of the natural-hazard damage FEMA expects in German comes from hail, and overall the risk is high for a U.S. community.

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

Expected damage

How exposed is German?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in German to be higher than in 70% of U.S. communities, mostly from hail and inland flooding.

Hail41%Inland flooding17%Drought14%Strong wind13%Tornadoes8%Everything else6%

By hazard

What German faces

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

Hail

41% of expected damage

Well above average · higher than 97% of U.S. places

Recorded about 8 times a year in the area

Inland flooding

17% of expected damage

Above average · higher than 55% of U.S. places

Recorded about once every 2 years in the area

Drought

14% of expected damage

Recorded about 49 times a year in the area

Strong wind

13% of expected damage

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

Recorded about 5 times a year 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

Lower here

Ice stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesLightning

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 German flood?

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

Disasters that hit German

Federal disasters declared here

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

Brought FEMA money into GermanDeclared for Smith County only

Smith County has had 13 natural disasters declared since 1953, most often severe storms and winter storms.

Around German

German and the towns around it

Very lowLowModerateHighVery high

East Bloomingtonmostly hailVery high

Germanmostly hailHigh

Martinmostly hailHigh

Swanmostly hailHigh

Sumnermostly hailHigh

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. German 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 German’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of German. 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.