Natural hazards · Gardnerville

Gardnerville, NV natural hazards

Most of the natural-hazard damage FEMA expects in Gardnerville comes from earthquakes, and overall the risk is very high for a U.S. community. Flood insurance has paid 1 claim here since 1997.

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

Expected damage

How exposed is Gardnerville?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gardnerville to be higher than in 88% of U.S. communities, mostly from earthquakes and inland flooding.

Earthquakes59%Inland flooding33%Everything else9%

By hazard

What Gardnerville faces

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

Earthquakes

59% of expected damage

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

Inland flooding

33% of expected damage

Well above average · higher than 80% of U.S. places

Recorded about once a year in the area

Lower here

TornadoesHailWinter weatherHeat wavesWildfireStrong windLightningDroughtVolcanic activity

Not a risk here

Coastal floodingHurricanesIce stormsCold wavesLandslidesAvalanchesTsunamis

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 flood?

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

1paid claims since 1997

$7Kpaid to owners

0homes flooded more than once

19972026

of homes in flood zones
are insured

of all homes
are insured

No community discount. Gardnerville 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.

What’s been done with FEMA grants

7homes raised above flood level

1flood-prone properties bought out and cleared

Disasters that hit Gardnerville

Federal disasters declared here

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

Brought FEMA money into GardnervilleDeclared for Douglas County only

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

Around Gardnerville

Gardnerville and the towns around it

Very lowLowModerateHighVery high

East Valleymostly wildfiresVery high

Gardnervillemostly earthquakesVery high

Mindenmostly 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 covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Gardnerville’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Gardnerville. 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 total about $5.7M 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.