Natural hazards · Clay

Clay, IN natural hazards

Most of the natural-hazard damage FEMA expects in Clay comes from inland flooding, and overall the risk is moderate for a U.S. community.

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

Expected damage

How exposed is Clay?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clay to be higher than in 46% of U.S. communities, mostly from inland flooding.

Inland flooding55%Cold waves13%Tornadoes11%Drought6%Everything else15%

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.

Inland flooding

55% of expected damage

Above average · higher than 63% of U.S. places

Recorded about once a year in the area

Cold waves

13% of expected damage

Above average · higher than 57% of U.S. places

Recorded about 4 times a year in the area

Tornadoes

11% of expected damage

Well above average · higher than 84% of U.S. places

Recorded about once every 13 years in the area

Drought

6% of expected damage

Recorded about once a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

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 Clay flood?

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

of homes in flood zones
are insured

of all homes
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: Carroll County.

Disasters that hit Clay

Federal disasters declared here

None of the disasters declared for Carroll County shows FEMA aid or repair money reaching Clay itself in FEMA’s records.

Brought FEMA money into ClayDeclared for Carroll County only

Carroll County has had 15 natural disasters declared since 1953, most often winter storms and severe storms.

Around Clay

Clay and the towns around it

Very lowLowModerateHighVery high

Claymostly inland floodingModerate

Rossmostly inland floodingModerate

Madisonmostly inland floodingModerate

Democratmostly inland floodingModerate

Perrymostly inland floodingLow

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. Clay 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 Clay’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Clay. 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.