FEMA puts Home Garden’s expected hazard damage per building above that of 92% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Home Garden gets a D for hazard risk: higher expected damage per building than 92% of U.S. towns. Most of that expected damage is river and rain flooding (76%), then earthquakes (24%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What Home Garden faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Earthquakes
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Home Garden’s grade
River and rain flooding is 76% of the building damage FEMA expects in Home Garden, and Home Garden’s rate of river and rain flooding damage is in the top 6% of U.S. census tracts. Next is earthquakes at 24% (higher than 88% of U.S. census tracts).
D higher expected damage per building than 92% of U.S. towns (21,298).
All of Home Garden’s residents live in one census tract; the figures are that tract’s.
In dollars, FEMA expects about $715K a year in losses across Home Garden: $538K to buildings, the rest to people and crops.
Does Home Garden flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Home Garden. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Home Garden isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Kings County.The storms Home Garden remembers
None of the 16 disasters declared for Kings County shows FEMA aid or repair money reaching Home Garden itself in FEMA’s records, so these are its biggest flood-claim years.
Kings County has had 16 natural disasters declared by the President since 1953, most often floods, then severe storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Home Garden and its neighbors
Home Garden is 2nd of the 2 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Hanford | Cmore damage than 71% | river and rain flooding | 1 |
| Home Garden | Dmore damage than 92% | river and rain flooding | 0 |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Home Garden faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Drop, cover and hold on.
- Strap tall furniture and the water heater to the wall.
- Know how to shut off the gas.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Home Garden
Is Home Garden at risk for natural disasters?
On FEMA’s National Risk Index, Home Garden has higher expected damage per building than 92% of U.S. towns: D for hazard risk. Most of the expected damage is river and rain flooding (76%) and earthquakes (24%). The figures are for the one census tract the town shares with its neighbors. This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Home Garden in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Kings County, 12% of homes in mapped flood zones carry federal flood insurance, and 0.5% of all homes do.
How much is flood insurance in Home Garden?
FEMA’s Community Rating System list shows no discount for Home Garden’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Is Home Garden at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (76%), and Home Garden’s rate for it is in the top 6% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Home Garden.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Home Garden’s residents lived in the 2020 census; 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. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.