Natural Disaster Risk in Gardnerville
Nevada
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
All 18 Hazard Scores
How it compares
Live Conditions
π 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 30β100 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
SuburbanGeographic 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
Notable Weather Days (last 12 months)
ZIP Codes in Gardnerville
Other cities in Nevada
Data source: FEMA National Risk Index (NRI). Scores normalized to 1β10 across all US counties. City scores inherit county-level FEMA data. For informational purposes only.