🌍 ClimateRiskCheck

Natural Disaster Risk in Garden City

Kansas

6.1out of 10
High Risk

Risk Summary for Garden City

Garden City scores 6.1/10 (High risk), above the U.S. average of 4.5. The leading hazard is Drought.

Top Hazards

Drought Hail Winter Weather

All 18 Hazard Scores

Drought
9.9
Hail
9.8
Winter Weather
9.1
Strong Wind
8.4
Tornado
8.0
Cold Wave
7.7
Ice Storm
7.1
Lightning
6.3
Tsunami
5.4
Wildfire
5.3
Volcanic Activity
5.1
Coastal Flooding
4.9
Avalanche
4.5
Earthquake
3.9
Extreme Heat
3.1
Hurricane
2.4
Landslide
2.0
Riverine Flooding
1.0

How it compares

Garden City
6.1
Kansas avg.
5.2
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Above-average risk β€” check your policy limits

Standard homeowners insurance may not fully cover all hazards rated highly in this area. Verify that your policy includes adequate coverage for the top local hazards, and ask your insurer about specific endorsements or separate policies (e.g., flood, earthquake).

This is general information only. Consult a licensed insurance professional for advice specific to your property.

Natural Hazard Profile: Garden City, Kansas

Located in the Great Plains in Finney County, Garden City is a city of approximately 34,475 residents. The semi-arid continental climate that characterizes this part of Kansas β€” marked by hot summers, cold winters, and exposure at the heart of Tornado Alley β€” directly influences the types and severity of natural hazards present, making Garden City a community where hazard awareness has real practical value.

FEMA rates Garden City's composite natural disaster risk at 6.1 out of 10 β€” high risk. Drought is the leading natural hazard, with multi-year dry periods capable of depleting water supplies, devastating agriculture, and increasing wildfire risk across the region. Residents should also account for hail and winter risk in their preparedness planning.

Relative to other U.S. communities, Garden City's natural disaster risk is above the U.S. national average of 4.5/10, slightly above the 5.2/10 state average. The hazard distribution here is led by drought and hail, as measured by FEMA across Finney County. While city-specific sub-county variation exists, these scores represent the best available federal risk estimate.

Garden City's high risk designation reflects meaningful exposure to natural hazards. Residents should verify that their insurance covers the area's primary risks, prepare a family emergency plan, and stay informed about seasonal hazard peaks through local weather and emergency management services.

What this means for Garden City: Drought preparedness

  • Be aware that prolonged drought raises secondary risks including wildfire and foundation soil movement.
  • Follow local water-use restrictions, which may be enacted during severe drought conditions.
  • Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.

Local Factors for Garden City

These city-level factors differentiate Garden City from other communities in Finney County and provide geographic context for its hazard exposure.

Population

34,475

Suburban

Geographic Zone

Inland

Reduced coastal hazard exposure

Climate Band

Moderate Continental

Latitude 38.0Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

Moderate β€” seasonal fire risk

Fire score: 5.3/10

Coordinates

38.0231Β° N, 100.7776Β° W

Finney County

Population and coordinates from SimpleMaps US Cities data. Hazard scores from FEMA National Risk Index. Geographic classification derived from coordinates.

Recent Climate Data for Garden City

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Garden City

Other cities in Kansas

Data source: FEMA National Risk Index (NRI). Scores normalized to 1–10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.