Natural hazards · Hardtner

Hardtner, KS natural hazards

Most of the natural-hazard damage FEMA expects in Hardtner comes from cold waves, and overall the risk is high for a U.S. community. 2 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Hardtner?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hardtner to be higher than in 73% of U.S. communities, mostly from cold waves and drought.

Cold waves36%Drought26%Wildfire12%Inland flooding8%Tornadoes7%Hail7%Everything else4%

By hazard

What Hardtner faces

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

Cold waves

36% of expected damage

Above average · higher than 60% of U.S. places

Recorded about 2 times a year in the area

Drought

26% of expected damage

Recorded about 64 times a year in the area

Wildfire

12% of expected damage

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

Inland flooding

8% of expected damage

Well below average · higher than 20% of U.S. places

Recorded about once every 2 years in the area

Tornadoes

7% of expected damage

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

Recorded about once every 2 years in the area

Hail

7% of expected damage

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

Recorded about 9 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesEarthquakesLandslidesStrong windLightning

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 Hardtner flood?

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

of all homes
are insured

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

Insurance rates: Barber County.

Disasters that hit Hardtner

2 federal disasters brought FEMA money here

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

Brought FEMA money into HardtnerDeclared for Barber County only

2008

Severe Storms, Flooding and Tornadoes

$750 to the City of Hardtner for repairs

2005

Severe Winter Storms, Heavy Rains, and Flooding

$8K to the City of Hardtner for repairs

Barber County has had 15 natural disasters declared since 1953, most often severe storms and fires.

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