Natural hazards · Garfield

Garfield, NE natural hazards

Most of the natural-hazard damage FEMA expects in Garfield comes from inland flooding, and overall the risk is high for a U.S. community. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Garfield?

High

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Garfield to be higher than in 77% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding32%Tornadoes20%Hail16%Wildfire8%Cold waves8%Strong wind7%Everything else9%

By hazard

What Garfield faces

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

Inland flooding

32% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once a year in the area

Tornadoes

20% of expected damage

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

Recorded about once every 13 years in the area

Hail

16% of expected damage

Well above average · higher than 91% of U.S. places

Recorded about 7 times a year in the area

Wildfire

8% of expected damage

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

Cold waves

8% of expected damage

Above average · higher than 63% of U.S. places

Recorded about 6 times a year in the area

Strong wind

7% of expected damage

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

Recorded about 4 times a year in the area

Lower here

Ice stormsWinter weatherHeat wavesEarthquakesLandslidesLightningDrought

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 Garfield flood?

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

of all homes
are insured

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

Insurance rates: Cuming County.

Disasters that hit Garfield

1 federal disaster brought FEMA money here

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

Brought FEMA money into GarfieldDeclared for Cuming County only

2004

Severe Storms, Tornadoes and Flooding

$5K to the Township of Garfield for repairs

Cuming County has had 22 natural disasters declared since 1953, most often severe storms and floods.

Around Garfield

Garfield and the towns around it

Very lowLowModerateHighVery high

Nelighmostly inland floodingHigh

Garfieldmostly inland floodingHigh

Shermanmostly inland floodingHigh

Cumingmostly inland floodingHigh

Oaklandmostly inland floodingHigh

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