🌍 ClimateRiskCheck

Natural Disaster Risk in Gardnerville

Nevada

5.9out of 10
Moderate Risk

Risk Summary for Gardnerville

Gardnerville scores 5.9/10 (Moderate risk), above the U.S. average of 4.5. The leading hazard is Wildfire.

Top Hazards

Wildfire Earthquake Winter Weather

All 18 Hazard Scores

Wildfire
9.8
Earthquake
9.7
Winter Weather
9.7
Avalanche
9.6
Volcanic Activity
9.5
Drought
8.2
Landslide
7.2
Lightning
6.9
Extreme Heat
6.7
Tsunami
5.4
Coastal Flooding
4.9
Hail
3.5
Strong Wind
3.2
Hurricane
2.4
Tornado
1.5
Ice Storm
1.3
Cold Wave
1.2
Riverine Flooding
1.0

How it compares

Gardnerville
5.9
Nevada avg.
5.1
US national avg.
4.5

Live Conditions

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🏠 What this means for insurance

Average risk β€” standard coverage usually sufficient

This area carries average natural disaster risk. A standard homeowners or renters policy should cover common events, but review the exclusions for floods and earthquakes, which are almost never included by default.

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

Natural Hazard Profile: Gardnerville, Nevada

Gardnerville is a city of approximately 14,534 residents in Douglas County, in the western mountain region near the Pacific Coast. The area experiences extreme summer heat and very low precipitation, with intense heat waves in summer 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 Gardnerville.

According to FEMA's National Risk Index, Gardnerville carries an overall risk score of 5.9/10, placing it in the moderate category. Fire risk is the leading concern in the area, where seasonal drought and combustible vegetation combine to create a high-risk wildfire environment. The area also faces notable exposure to earthquake and winter.

Gardnerville's risk score, slightly above the 5.1/10 state average and above the U.S. national average of 4.5/10. Of the 18 hazard categories tracked by FEMA for Douglas County, the highest-scoring are wildfire, earthquake, and winter. These scores reflect county-level data and represent the baseline risk that all communities in the county share.

With a moderate risk rating, Gardnerville residents are well-served by maintaining standard preparedness practices β€” an emergency supply kit, awareness of local hazard seasonality, and insurance that covers the top local risks. Periodic review of coverage for wildfire is recommended.

What this means for Gardnerville: Wildfire preparedness

  • Create defensible space by clearing flammable vegetation within 30–100 feet of structures.
  • Use fire-resistant roofing and screen vents to block ember intrusion, the leading cause of home ignition.
  • Prepare a go-bag and evacuation plan; wildfires can move faster than expected when winds pick up.

Local Factors for Gardnerville

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

Population

14,534

Suburban

Geographic Zone

Pacific Coast

Tsunami, coastal flood & wildfire risk

Climate Band

Moderate Continental

Latitude 38.9Β°

Flood Terrain

Minimal β€” county topography limits flood risk

Flood score: 1.0/10

Wildfire Exposure

High β€” long dry fire season

Fire score: 9.8/10

Coordinates

38.9014Β° N, 119.7909Β° W

Douglas 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 Gardnerville

Last 12 months Β· Source: Open-Meteo archive

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ZIP Codes in Gardnerville

Other cities in Nevada

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.