Natural hazards · Gardners

Gardners, PA natural hazards

Most of the natural-hazard damage FEMA expects in Gardners comes from inland flooding, and overall the risk is very low for a U.S. community.

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

Expected damage

How exposed is Gardners?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gardners to be higher than in 19% of U.S. communities, mostly from inland flooding and hurricanes.

Inland flooding56%Hurricanes16%Drought10%Everything else19%

By hazard

What Gardners faces

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

Inland flooding

56% of expected damage

Below average · higher than 31% of U.S. places

Recorded about 2 times a year in the area

Hurricanes

16% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 12 years in the area

Drought

10% of expected damage

Recorded about 3 times a year in the area

Lower here

TornadoesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic 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 Gardners flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Adams County.

Disasters that hit Gardners

Federal disasters declared here

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

Brought FEMA money into GardnersDeclared for Adams County only

Adams County has had 16 natural disasters declared since 1953, most often floods and winter storms.

Around Gardners

Gardners and the towns around it

Very lowLowModerateHighVery high

Menallenmostly inland floodingLow

Gardnersmostly inland floodingVery low

Tyronemostly inland floodingVery low

Huntingtonmostly inland floodingVery low

Idavillemostly inland floodingVery low

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