Photo: Platemaker · CC BY 3.0Storms, floods and disasters in Geary
Geary isn’t graded for hazard risk: Geary has 841 residents; we grade towns of 1,000 or more.
What Geary faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
Hail
River and rain flooding
Ice storms
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 Geary flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Geary. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Geary isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Blaine County.12 federal disasters brought FEMA money to Geary
Disasters that paid out in Geary itself (aid to households or repair grants to the City of Geary), newest first, with that year’s flood claims.
- 2024Severe Storms, Straight-line Winds, Tornadoes, and Flooding1 households applied for aid$750 aid approved
- 2020Severe Winter Storm$111K to the City of Geary for repairs
- 2019Severe Storms, Straight-line Winds, Tornadoes, and Flooding1 households applied for aid$2K aid approved
- 2015Severe Winter Storms and Flooding$40K to the City of Geary for repairs
- 2015Severe Winter Storms and Flooding$89K to the City of Geary for repairs
- 2015Severe Storms, Tornadoes, Straight-line Winds, and Flooding1 households applied for aid$818 aid approved
Show all 12
- 2013Severe Storms, Tornadoes, and Flooding1 households applied for aid$1K aid approved
- 2013Severe Winter Storm and Snowstorm$6K to the City of Geary for repairs
- 2011Severe Storms, Tornadoes, Straight-line Winds, and Flooding1 households applied for aid$3K aid approved
- 2007Severe Storms, Tornadoes, and Flooding133 households applied for aid$75K aid approved$62K to the City of Geary for repairs
- 2007Severe Storms, Flooding, and Tornadoes6 households applied for aid$1K aid approved
- 2002Severe Winter Ice Storm$126K to the City of Geary for repairs
Blaine County has had 27 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.
Also 1 FEMA wildfire suppression grant (Fire Management Assistance, not a disaster declaration) for fires in Blaine County, 2012–2012.
Old photos of Geary after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Geary archive →Get ready for what Geary faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- 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.
- 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.
- Ice brings down trees and lines: plan for days without power.
- Run a generator outside, far from doors and windows.
- Keep sand or salt by the door.
- 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 Geary
Is Geary 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 Blaine County, 0.1% of all homes carry federal flood insurance.
How much is flood insurance in Geary?
FEMA’s Community Rating System list shows no discount for Geary’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 Geary?
By FEMA money that reached Geary, Severe Storms, Tornadoes, and Flooding (2007): 133 households applied for aid, $75K approved, and $62K to the City of Geary for repairs.
Storm stories
Memories, warnings and help from neighbors in Geary.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Geary’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.