Natural hazards · Garrison

Garrison, KY natural hazards

Most of the natural-hazard damage FEMA expects in Garrison comes from inland flooding, and overall the risk is very high for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Garrison?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Garrison to be higher than in 96% of U.S. communities, mostly from inland flooding.

Inland flooding85%Everything else15%

By hazard

What Garrison faces

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

Inland flooding

85% of expected damage

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

Recorded about 2 times a year in the area

Lower here

HurricanesTornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightningDroughtAvalanches

Not a risk here

Coastal floodingTsunamisVolcanic 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 Garrison flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Lewis County.

What’s been done with FEMA grants

3flood-prone properties bought out and cleared

Disasters that hit Garrison

5 federal disasters brought FEMA money here

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

Brought FEMA money into GarrisonDeclared for Lewis County only

2010

Severe Storms, Flooding, and Mudslides

15 households applied for aid $25K aid approved

2010

Severe Storms, Flooding, Mudslides, and Tornadoes

113 households applied for aid $318K aid approved

2004

Severe Storms, Tornadoes, Flooding, and Mudslides

11 households applied for aid $20K aid approved

2003

Severe Storms, Flooding, Mud and Rock Slides, and Tornadoes

19 households applied for aid $36K aid approved

2003

Severe Winter Ice and Snow Storms, Heavy Rain, Flooding, Tornadoes, and Mud and

231 households applied for aid $222K aid approved

Lewis County has had 29 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. Garrison 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 Garrison’s own flood-insurance community; household aid to the registrant’s city; repair grants to Garrison. 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.