Storms, floods and disasters in Gurley
Gurley isn’t graded for hazard risk: Gurley has 207 residents; we grade towns of 1,000 or more. Flood insurance has paid 1 claim here since 1984.
What Gurley 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
Hail
Tornadoes
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 Gurley flood? Rarely: 1 flood claim since 1984
Every paid claim on a federal flood insurance policy in Gurley, from FEMA’s records.
Gurley isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Cheyenne County.The storms Gurley remembers
None of the 7 disasters declared for Cheyenne County shows FEMA aid or repair money reaching Gurley itself in FEMA’s records, so these are its biggest flood-claim years.
- 19841 flood claims paidNo declaration for the county that year
Cheyenne County has had 7 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.
Old photos of Gurley after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Gurley archive →Get ready for what Gurley 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.
- 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.
- 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.
- 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 Gurley
Does Gurley flood?
Flood insurance has paid 1 claim in Gurley since 1984, $3K in all.
Is Gurley 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 Cheyenne County, 0.1% of all homes carry federal flood insurance.
How much is flood insurance in Gurley?
FEMA’s Community Rating System list shows no discount for Gurley’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
Storm stories
Memories, warnings and help from neighbors in Gurley.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Gurley’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.