North Entrance Road Historic District · Photo: Yellowstone National Park · Public domainStorms, floods and disasters in Gardiner
Gardiner isn’t graded for hazard risk: Gardiner has 647 residents; we grade towns of 1,000 or more.
What Gardiner 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
Wildfire
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.
Does Gardiner flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Gardiner. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Gardiner isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Park County.1 federal disaster brought FEMA money to Gardiner
Disasters that paid out in Gardiner itself (aid to households or repair grants to Gardiner), newest first, with that year’s flood claims.
- 2022Severe Storm and Flooding34 households applied for aid$32K aid approved
Park County has had 10 natural disasters declared by the President since 1953, most often severe storms, then floods. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Park County, 2000–2000.
Old photos of Gardiner after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Gardiner archive →Get ready for what Gardiner 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.
- Clear dead leaves and brush within 5 feet of the house.
- Sign up for local alerts and know two ways out.
- Keep N95 masks for smoky days.
- 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 Gardiner
Is Gardiner 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 Park County, 11% of homes in mapped flood zones carry federal flood insurance, and 0.8% of all homes do.
How much is flood insurance in Gardiner?
FEMA’s Community Rating System list shows no discount for Gardiner’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 Gardiner?
By FEMA money that reached Gardiner, Severe Storm and Flooding (2022): 34 households applied for aid, $32K approved.
Storm stories
Memories, warnings and help from neighbors in Gardiner.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Gardiner’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.