Natural hazards · Girard

Girard, TX natural hazards

Most of the natural-hazard damage FEMA expects in Girard comes from drought, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Girard?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Girard to be higher than in 51% of U.S. communities, mostly from drought.

Drought57%Hail11%Inland flooding10%Wildfire10%Everything else13%

By hazard

What Girard faces

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

Drought

57% of expected damage

Recorded about 80 times a year in the area

Hail

11% of expected damage

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

Recorded about 5 times a year in the area

Inland flooding

10% of expected damage

Well below average · higher than 12% of U.S. places

Recorded about once every 4 years in the area

Wildfire

10% of expected damage

Well above average · higher than 98% of U.S. places

Lower here

HurricanesTornadoesIce stormsWinter weatherCold wavesHeat wavesEarthquakesLandslidesStrong 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 Girard flood?

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

What’s been done with FEMA grants

1storm safe rooms built

Disasters that hit Girard

Federal disasters declared here

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

Brought FEMA money into GirardDeclared for Kent County only

Kent County has had 11 natural disasters declared since 1953, most often fires and severe storms.

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