Gardendale’s building-damage rate from hail is in the top 2% of U.S. census tracts
On FEMA’s National Risk Index, Gardendale gets a B for hazard risk: lower expected damage per building than 60% of U.S. towns. Most of that expected damage is river and rain flooding (41%), then hail (37%). FEMA’s files show no paid flood insurance claims here.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What stands out about Gardendale’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Gardendale 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
Wildfire
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.
What’s behind Gardendale’s grade
River and rain flooding is 41% of the building damage FEMA expects in Gardendale, and Gardendale’s rate of river and rain flooding damage is lower than 85% of U.S. census tracts. Hail adds 37%, at a rate in the top 2% of U.S. census tracts.
B lower expected damage per building than 60% of U.S. towns (21,298).
Gardendale’s residents live in 2 census tracts; FEMA’s figures are combined by where they live.
In dollars, FEMA expects about $780K a year in losses across Gardendale: $573K to buildings, the rest to people and crops.
Does Gardendale flood? No paid flood claims on record
FEMA’s records show no paid flood insurance claims in Gardendale. That’s not a promise: most homes don’t carry flood insurance, so small floods go unrecorded.
Gardendale isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Ector County.1 federal disaster brought FEMA money to Gardendale
Disasters that paid out in Gardendale itself (aid to households or repair grants to Gardendale), newest first, with that year’s flood claims.
- 2021Severe Winter Storms15 households applied for aid$6K aid approved
Ector County has had 7 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 3 FEMA wildfire suppression grants (Fire Management Assistance, not a disaster declaration) for fires in Ector County, 2008–2011.
Old photos of Gardendale after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Gardendale archive →Get ready for what Gardendale 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.
- 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.
- 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 Gardendale
Is Gardendale at risk for natural disasters?
On FEMA’s National Risk Index, Gardendale has lower expected damage per building than 60% of U.S. towns: B for hazard risk. Most of the expected damage is river and rain flooding (41%) and hail (37%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Is Gardendale 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 Ector County, 13% of homes in mapped flood zones carry federal flood insurance, and 1.5% of all homes do.
How much is flood insurance in Gardendale?
FEMA’s Community Rating System list shows no discount for Gardendale’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 Gardendale?
By FEMA money that reached Gardendale, Severe Winter Storms (2021): 15 households applied for aid, $6K approved.
Is Gardendale at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (41%), and Gardendale’s rate for it is lower than 85% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Gardendale.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Gardendale’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.