Natural Disaster Risk in Girard
Kansas
Risk Summary for Girard
Girard scores 6.8/10 (High risk), above the U.S. average of 4.5. The leading hazard is Drought.
Top Hazards
All 18 Hazard Scores
How it compares
Live Conditions
🏠 What this means for insurance
Above-average risk — 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: Girard, Kansas
Girard is a town of roughly 4,313 residents in Crawford County, in the interior eastern United States. The area experiences hot summers, cold winters, and exposure at the heart of Tornado Alley, with one of the most intense tornado seasons in the world, peaking in May and June shaping the pattern of natural hazards that residents encounter. Understanding the local risk profile is essential for anyone living in, moving to, or owning property in Girard.
According to FEMA's National Risk Index, Girard carries an overall risk score of 6.8/10, placing it in the high category. Prolonged drought is the primary hazard risk, shaped by low annual rainfall, high evaporation rates, and increasing temperature trends that deepen and lengthen dry periods. The area also faces notable exposure to ice storm and wind.
Girard's risk score, considerably above the 5.2/10 state average and well above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Crawford County, the highest-scoring are drought, ice storm, and wind. These scores reflect county-level data and represent the baseline risk that all communities in the county share.
Girard'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 Girard: Drought preparedness
- Adopt water-efficient landscaping and fixtures to reduce strain during extended dry periods.
- 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.
Local Factors for Girard
These city-level factors differentiate Girard from other communities in Crawford County and provide geographic context for its hazard exposure.
Population
4,313
Small TownGeographic Zone
Inland
Reduced coastal hazard exposure
Climate Band
Moderate Continental
Latitude 37.5°
Flood Terrain
Minimal — county topography limits flood risk
Flood score: 1.0/10
Wildfire Exposure
Lower — moist climate limits wildfire frequency
Fire score: 4.2/10
Coordinates
37.5055° N, 94.8879° W
Crawford 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 Girard
Last 12 months · Source: Open-Meteo archive
Notable Weather Days (last 12 months)
ZIP Codes in Girard
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.