Natural hazards · Clutier

Clutier, IA natural hazards

Most of the natural-hazard damage FEMA expects in Clutier comes from drought, and overall the risk is low for a U.S. community. 4 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Clutier?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clutier to be higher than in 35% of U.S. communities, mostly from drought and inland flooding.

Drought40%Inland flooding30%Strong wind10%Tornadoes9%Cold waves7%Everything else4%

By hazard

What Clutier faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Drought

40% of expected damage

Recorded about 17 times a year in the area

Inland flooding

30% of expected damage

Below average · higher than 42% of U.S. places

Recorded about 2 times a year in the area

Strong wind

10% of expected damage

Well above average · higher than 98% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

9% of expected damage

Well above average · higher than 86% of U.S. places

Recorded about once every 5 years in the area

Cold waves

7% of expected damage

Well above average · higher than 75% of U.S. places

Recorded about 8 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

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 Clutier flood?

FEMA's records show no paid flood insurance claims in Clutier.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Clutier isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Tama County.

Disasters that hit Clutier

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Clutier itself: aid to households, or repair grants to the City of Clutier.

Brought FEMA money into ClutierDeclared for Tama County only

2020

Severe Storms

15 households applied for aid $22K aid approved

2011

Severe Storms, Straight-Line Winds, and Flooding

$29K to the City of Clutier for repairs

2008

Severe Storms, Tornadoes, and Flooding

16 households applied for aid $24K aid approved

2007

Severe Winter Storms

$12K to the City of Clutier for repairs

Tama County has had 18 natural disasters declared since 1953, most often floods and severe storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Clutier is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Clutier’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Clutier. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.