Photo: Ichabod · CC BY-SA 3.0Storms, floods and disasters in Garfield
Garfield isn’t graded for hazard risk: Garfield has 126 residents; we grade towns of 1,000 or more.
What Garfield 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
Tornadoes
Hail
Strong wind
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.
Does Garfield flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Garfield. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
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: Pawnee County.3 federal disasters brought FEMA money to Garfield
Disasters that paid out in Garfield itself (aid to households or repair grants to the City of Garfield), newest first, with that year’s flood claims.
- 2017Severe Winter Storm$7K to the City of Garfield for repairs
- 2007Severe Winter Storms$4K to the City of Garfield for repairs
- 2007Severe Storms and Flooding21 households applied for aid$18K aid approved$7K to the City of Garfield for repairs
Pawnee County has had 25 natural disasters declared by the President since 1953, most often severe storms, then winter storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Old photos of Garfield after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Garfield archive →Get ready for what Garfield 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.
- Pick your spot now: the lowest floor, an inside room, no windows.
- A watch means be ready; a warning means take cover now.
- Keep shoes and a flashlight by the bed.
- Park in a garage or under cover when storms are forecast.
- Stay away from windows while it falls.
- Photograph roof and car damage for your insurer.
- Trim dead limbs over the house and driveway.
- Tie down trash cans and outdoor furniture.
- Stay clear of downed lines and call the utility.
- 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 Garfield
Is Garfield 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 Pawnee County, 0.6% of all homes carry federal flood insurance.
How much is flood insurance in Garfield?
FEMA’s Community Rating System list shows no discount for Garfield’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Garfield?
By FEMA money that reached Garfield, Severe Storms and Flooding (2007): 21 households applied for aid, $18K approved, and $7K to the City of Garfield for repairs.
Storm stories
Memories, warnings and help from neighbors in Garfield.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Garfield’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.