Natural hazards · Gardendale

Gardendale, TX natural hazards

Most of the natural-hazard damage FEMA expects in Gardendale comes from inland flooding, and overall the risk is moderate 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 Gardendale?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gardendale to be higher than in 40% of U.S. communities, mostly from inland flooding and hail.

Inland flooding37%Hail29%Tornadoes9%Wildfire8%Everything else17%

By hazard

What Gardendale faces

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

Inland flooding

37% of expected damage

Well below average · higher than 19% of U.S. places

Recorded about 4 times a year in the area

Hail

29% of expected damage

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

Recorded about 4 times a year in the area

Tornadoes

9% of expected damage

Above average · higher than 65% of U.S. places

Recorded about once every 50 years in the area

Wildfire

8% of expected damage

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

Lower here

HurricanesIce stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong windLightningDrought

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 Gardendale flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Ector County.

Disasters that hit Gardendale

1 federal disaster brought FEMA money here

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

Brought FEMA money into GardendaleDeclared for Ector County only

2021

Severe Winter Storms

15 households applied for aid $6K aid approved

Ector County has had 11 natural disasters declared since 1953, most often fires and hurricanes.

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