Natural hazards · Gardner

Gardner, WI natural hazards

Most of the natural-hazard damage FEMA expects in Gardner comes from inland flooding, and overall the risk is very low for a U.S. community. Flood insurance has paid 9 claims here since 1986. 1 federal disaster brought FEMA money into town.

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

Expected damage

How exposed is Gardner?

Very low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Gardner to be higher than in 4% of U.S. communities, mostly from inland flooding and cold waves.

Inland flooding42%Cold waves36%Tornadoes10%Hail5%Everything else7%

By hazard

What Gardner faces

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

Inland flooding

42% of expected damage

Well below average · higher than 13% of U.S. places

Recorded about once every 5 years in the area

Cold waves

36% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 5 times a year in the area

Tornadoes

10% of expected damage

Above average · higher than 59% of U.S. places

Recorded about once every 32 years in the area

Hail

5% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about once a year in the area

Lower here

Coastal floodingIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

HurricanesDroughtAvalanchesTsunamisVolcanic 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 Gardner flood?

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

9paid claims since 1986

$153Kpaid to owners

0homes flooded more than once

19862026

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Door County.

Disasters that hit Gardner

1 federal disaster brought FEMA money here

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

Brought FEMA money into GardnerDeclared for Door County only

2000

Snow

$770 to the Town of Gardner for repairs

Door County has had 4 natural disasters declared since 1953, most often hurricanes and winter storms.

Around Gardner

Gardner and the towns around it

Very lowLowModerateHighVery high

Peshtigomostly cold wavesLow

Brusselsmostly cold wavesVery low

Egg Harbormostly inland floodingVery low

Gardnermostly inland floodingVery low

Unionmostly inland floodingVery low

Nasewaupeemostly 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. Gardner covers 1 census tract, combined by population.

Money that reached townFlood claims are matched to Gardner’s own flood-insurance community (here, the census tracts inside it); household aid to the registrant’s city; repair grants to the Town of Gardner. 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 Gardner total about $1.1M 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.