Natural hazards · Gardner

Gardner, ND natural hazards

Most of the natural-hazard damage FEMA expects in Gardner comes from strong winds, and overall the risk is moderate 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 Gardner?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gardner to be higher than in 47% of U.S. communities, mostly from strong winds and hail.

Strong wind34%Hail20%Cold waves19%Inland flooding18%Tornadoes6%Everything else4%

By hazard

What Gardner faces

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

Strong wind

34% of expected damage

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

Recorded about 3 times a year in the area

Hail

20% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about 4 times a year in the area

Cold waves

19% of expected damage

Above average · higher than 71% of U.S. places

Recorded about 19 times a year in the area

Inland flooding

18% of expected damage

Below average · higher than 41% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

6% of expected damage

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

Recorded about once every 3 years in the area

Lower here

Ice stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightningDrought

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 Gardner flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Cass County.

What’s been done with FEMA grants

4flood-prone properties bought out and cleared

Disasters that hit Gardner

3 federal disasters brought FEMA money here

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

Brought FEMA money into GardnerDeclared for Cass County only

2010

Flooding

$5K to the City of Gardner for repairs

2009

Severe Storms and Flooding

21 households applied for aid $17K aid approved $24K to the City of Gardner for repairs

2006

Severe Storms, Flooding, and Ground Saturation

$3K to the City of Gardner for repairs

Cass County has had 30 natural disasters declared since 1953, most often floods and severe storms.

Around Gardner

Gardner and the towns around it

Very lowLowModerateHighVery high

Gardnermostly strong windsModerate

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