Natural hazards · Gardnerville Ranchos

Gardnerville Ranchos, NV natural hazards

Most of the natural-hazard damage FEMA expects in Gardnerville Ranchos comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 69 claims here since 1982.

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

Expected damage

How exposed is Gardnerville Ranchos?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gardnerville Ranchos to be higher than in 82% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes47%Inland flooding37%Wildfire8%Everything else8%

By hazard

What Gardnerville Ranchos faces

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

Earthquakes

47% of expected damage

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

Inland flooding

37% of expected damage

Above average · higher than 74% of U.S. places

Recorded about once a year in the area

Wildfire

8% of expected damage

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

Lower here

TornadoesHailWinter weatherHeat wavesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesAvalanchesTsunamisVolcanic 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 Gardnerville Ranchos flood?

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

69paid claims since 1982

$2.1Mpaid to owners

0homes flooded more than once

19822026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Douglas County.

Disasters that hit Gardnerville Ranchos

Federal disasters declared here

None of the disasters declared for Douglas County shows FEMA aid or repair money reaching Gardnerville Ranchos itself in FEMA’s records.

Brought FEMA money into Gardnerville RanchosDeclared for Douglas County only

Douglas County has had 22 natural disasters declared since 1953, most often fires and floods.

Around Gardnerville Ranchos

Gardnerville Ranchos and the towns around it

Very lowLowModerateHighVery high

Gardnervillemostly earthquakesVery high

Gardnerville Ranchosmostly earthquakesVery high

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. Gardnerville Ranchos covers 3 census tracts, combined by population.

Money that reached townFlood claims are matched to Gardnerville Ranchos’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Gardnerville Ranchos. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

FEMA’s expected losses across Gardnerville Ranchos total about $5.2M a year, counting buildings, people and crops.

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.