Natural hazards · Garfield

Garfield, TX natural hazards

Most of the natural-hazard damage FEMA expects in Garfield comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 1 claim here since 2015. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Garfield?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Garfield to be higher than in 59% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding69%Tornadoes18%Everything else13%

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

69% of expected damage

Well above average · higher than 76% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

18% of expected damage

Above average · higher than 71% of U.S. places

Recorded about once every 76 years in the area

Lower here

HurricanesHailIce stormsWinter weatherCold wavesHeat wavesWildfireEarthquakesLandslidesStrong 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 Garfield flood?

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

1paid claims since 2015

$3Kpaid to owners

0homes flooded more than once

20152026

Biggest named events

Fall severe storms: 1 claim, $3K

of homes in flood zones
are insured

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: Travis 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 Garfield.

Brought FEMA money into GarfieldDeclared for Travis County only

2021

Severe Winter Storms

1 household applied for aid

Travis County has had 30 natural disasters declared since 1953, most often fires and floods.

Around Garfield

Garfield and the towns around it

Very lowLowModerateHighVery high

Garfieldmostly inland floodingModerate

Hornsby Bendmostly inland floodingModerate

Austinmostly inland floodingModerate

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 covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Garfield’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to Garfield. 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 Garfield total about $2.4M 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.