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–Not graded
Natural hazards in Garrison · FEMA

Storms, floods and disasters in Garrison

Garrison isn’t graded for hazard risk: Garrison has 552 residents; we grade towns of 1,000 or more.

Flood claims
0
paid since 1978 · $0
Disasters paid out here
8
of 28 declared for Lewis County
By hazard

What Garrison 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

97%of expected building damage
Well above average · in the top 1% of U.S. census tracts
Recorded about 2 times a year in the area
Smaller shares here
 Tornadoes Strong wind Hail Earthquakes Hurricanes Ice storms Winter storms Wildfire Cold waves Heat waves Landslides Lightning
FEMA models no building damage here
Coastal floodingAvalanchesTsunamisVolcanic activity

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.

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 Garrison flood? No paid flood claims on record

FEMA’s records show no paid flood insurance claims in Garrison. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.

of homes in flood zones are insured
of all homes are insured
No community discount

Garrison isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Lewis County.
What’s been done with FEMA grants
3flood-prone properties bought out and cleared
Disasters

8 federal disasters brought FEMA money to Garrison

Disasters that paid out in Garrison itself (aid to households or repair grants to Garrison), newest first, with that year’s flood claims.

  1. 2024Severe Storms, Straight-line Winds, Tornadoes, Landslides, and Mudslides12 households applied for aid$98K aid approved
  2. 2024Severe Storms, Straight-line Winds, Tornadoes, Landslides, and Mudslides30 households applied for aid$391K aid approved
  3. 2010Severe Storms, Flooding, and Mudslides15 households applied for aid$25K aid approved
  4. 2010Severe Storms, Flooding, Mudslides, and Tornadoes113 households applied for aid$318K aid approved
  5. 2004Severe Storms, Tornadoes, Flooding, and Mudslides11 households applied for aid$20K aid approved
  6. 2003Severe Storms, Flooding, Mud and Rock Slides, and Tornadoes5 households applied for aid$12K aid approved
Show all 8
  1. 2003Severe Storms, Flooding, Mud and Rock Slides, and Tornadoes14 households applied for aid$24K aid approved
  2. 2003Severe Winter Ice and Snow Storms, Heavy Rain, Flooding, Tornadoes, and Mud and231 households applied for aid$222K aid approved
Disasters declared, by decade
Paid out in GarrisonLewis County only

Lewis County has had 28 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.

Were you here?

Old photos of Garrison after a storm or flood belong in the town’s history. Add one, or share what you remember below.

Add to the Garrison archive →
Be ready

Get ready for what Garrison faces

A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.

When the river rises
  • 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.
More from Ready.gov ↗
Before you buy or rent
  • 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.
When a storm is coming
Forecast and alertsWeather →911, the nearest ERSafety →

Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.

Questions about natural hazards in Garrison

Is Garrison 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 Lewis County, 7% of homes in mapped flood zones carry federal flood insurance, and 0.9% of all homes do.

How much is flood insurance in Garrison?

FEMA’s Community Rating System list shows no discount for Garrison’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 Garrison?

By FEMA money that reached Garrison, Severe Storms, Straight-line Winds, Tornadoes, Landslides, and Mudslides (2024): 30 households applied for aid, $391K approved.

Storm stories

Memories, warnings and help from neighbors in Garrison.

Town Square →
Start the conversation

Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Garrison’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.