Garden City, Kansas: natural disaster risk
How exposed Garden City is to floods, storms and other hazards, from FEMA and NOAA records for Finney County.
Garden City is a city of 27,819 people in Finney County, Kansas. FEMA's National Risk Index rates Finney County relatively low for natural hazards overall, lower than most of the US. The costliest hazards there are hail, drought and inland flooding, with about $23.6 million in expected losses a year across the county. The weather service has logged 1,319 storm reports in the county since 1950, including 99 tornadoes and 15 floods. About 0.2% of homes in the county carry federal flood insurance.
Risk figures are for Finney County. FEMA National Risk Index December 2025; NOAA Storm Events; US Census Bureau ACS 2020 to 2024. Updated November 6, 2026.
Top risks in Garden City
Full Finney County report ›- Ask about the roof age and any impact-rated shingles.
- Check your home policy for a separate wind and hail deductible.
- Check local water restrictions.
- Choose drought-tolerant plants.
- Check the FEMA flood map for your address, and ask the seller or landlord about past flooding.
- Price a flood policy now. Most new federal policies take 30 days to start.
All hazards
| Hazard | Rating | A year |
|---|---|---|
| Hail | $5M | |
| Drought | $5M | |
| Inland flooding | $4M | |
| Tornado | $3M | |
| Cold wave | $2M | |
| Strong wind | $1M | |
| Winter weather | $409K | |
| Lightning | $312K | |
| Ice storm | $170K | |
| Earthquake | $75K | |
| Heat wave | $67K | |
| Wildfire | $38K |
Homes in Garden City
Older homes and mobile homes usually take more damage in storms, floods and earthquakes. Ask about roof age, flood history and retrofits before you buy or rent.
Strongest tornadoes in Finney County
Common questions about Garden City
Is Garden City safe from natural disasters?
Garden City is in Finney County, which FEMA's National Risk Index rates relatively low overall, lower than most of the US. The biggest hazards are hail, drought, inland flooding. No place is free of risk, so check the flood map and insurance for any home you consider.
What natural disasters happen in Garden City?
By expected yearly losses in Finney County, the top hazards are hail (High), drought (High), inland flooding (Low). Finney County has been part of 9 federal disaster or emergency declarations for natural events.
Does Garden City get tornadoes?
Yes. NOAA records list 99 tornadoes in Finney County since 1950; the strongest was an F3 tornado on June 23, 1967. FEMA rates tornado risk in the county moderate.
Do I need flood insurance in Garden City?
Standard home insurance does not cover floods. In Finney County, about 0.2% of homes have federal flood insurance, and FEMA rates inland flooding risk low. Check the FEMA flood map for your address and get a quote even outside a high-risk zone.