Natural hazards · Clay
Clay, CA natural hazards
Most of the natural-hazard damage FEMA expects in Clay comes from drought, and overall the risk is high for a U.S. community.
FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarationsExpected damage
How exposed is Clay?
High
vs. U.S. communitiesFEMA expects yearly storm and flood damage to homes and buildings in Clay to be higher than in 66% of U.S. communities, mostly from drought and inland flooding.
Drought42%Inland flooding39%Wildfire11%Earthquakes7%Everything else2%
By hazard
What Clay faces
Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.
Drought
42% of expected damage
Recorded about 58 times a year in the area
Inland flooding
39% of expected damage
Well above average · higher than 75% of U.S. places
Recorded about 2 times a year in the area
Wildfire
11% of expected damage
Well above average · higher than 97% of U.S. places
Earthquakes
7% of expected damage
Well above average · higher than 80% of U.S. places
Lower here
TornadoesHailWinter weatherHeat wavesLandslidesStrong windLightningVolcanic activity
Not a risk here
Coastal floodingHurricanesIce stormsCold wavesAvalanchesTsunamis
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims
Does Clay flood?
FEMA's records show no paid flood insurance claims in Clay.
of homes in flood zones
are insured
are insured
of all homes
are insured
are insured
No community discount. Clay isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Sacramento County.
Disasters that hit Clay
Federal disasters declared here
None of the disasters declared for Sacramento County shows FEMA aid or repair money reaching Clay itself in FEMA’s records.
Brought FEMA money into ClayDeclared for Sacramento County only
Sacramento County has had 19 natural disasters declared since 1953, most often floods and severe storms