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Direct answer
Is Gardner, ND safe from hail?
Gardner has moderate hail exposure (52/100). It is not extreme, but damaging events can still occur.
City score
52/100
Level: moderate
P85-based state reference
99/100
Same hazard across ND.
Comparison
Gardner is 47 points below the state reference for this hazard.
Why this answer
Hail risk derived from NOAA SPC historical reports.
This answer combines long-term hazard scoring with current live signals. Use the live page for active watch/warning context over the next 6-24 hours.
Insurance pricing and deductible structure can still vary by neighborhood and carrier, so validate policy details against this risk profile.
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