Natural hazards · Girard

Girard, KS natural hazards

Most of the natural-hazard damage FEMA expects in Girard comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 1979. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Girard?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Girard to be higher than in 54% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding38%Tornadoes25%Strong wind8%Heat waves6%Drought6%Ice storms5%Everything else13%

By hazard

What Girard faces

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

Inland flooding

38% of expected damage

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

Recorded about 3 times a year in the area

Tornadoes

25% of expected damage

Well above average · higher than 94% of U.S. places

Recorded about once every 44 years in the area

Strong wind

8% of expected damage

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

Recorded about 5 times a year in the area

Heat waves

6% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 16 times a year in the area

Drought

6% of expected damage

Recorded about 11 times a year in the area

Ice storms

5% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about once a year in the area

Lower here

HurricanesHailWinter weatherCold wavesWildfireEarthquakesLandslidesLightning

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 Girard flood?

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

1paid claims since 1979

$334paid to owners

0homes flooded more than once

19792026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Crawford County.

What’s been done with FEMA grants

3storm safe rooms built

Disasters that hit Girard

5 federal disasters brought FEMA money here

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

Brought FEMA money into GirardDeclared for Crawford County only

2008

Severe Storms, Flooding and Tornadoes

$27K to the City of Girard for repairs

2007

Severe Winter Storms

$7K to the City of Girard for repairs

2007

Severe Storms and Flooding

2 households applied for aid $6K aid approved

2003

Severe Storms, Tornadoes, and Flooding

55 households applied for aid $119K aid approved $17K to the City of Girard for repairs

2002

Severe Winter Ice Storm

$103K to the City of Girard for repairs

Crawford County has had 21 natural disasters declared since 1953, most often severe storms and floods.

Around Girard

Girard and the towns around it

Very lowLowModerateHighVery high

Crawfordmostly inland floodingHigh

Girardmostly inland floodingModerate

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