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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. Flood insurance has paid 56 claims here since 1978.

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

How exposed is Clay?

41
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clay to be higher than in 41% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding58%Tornadoes23%Cold waves6%Everything else14%
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

58% of expected damage
Above average · higher than 52% of U.S. places
Recorded about 2 times a year in the area

Tornadoes

23% of expected damage
Well above average · higher than 95% of U.S. places

Cold waves

6% of expected damage
Above average · higher than 56% of U.S. places
Recorded about 3 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

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?

Every paid claim on a federal flood insurance policy in Clay, from FEMA’s records.

56paid claims since 1978
$1.4Mpaid to owners
0homes flooded more than once
19782026

Biggest named events

  • 2026-08-Indiana-Flooding: 19 claims, $1.1M
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: Hamilton County.
Disasters that hit Clay

Federal disasters declared here

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

Brought FEMA money into ClayDeclared for Hamilton County only
Hamilton County has had 17 natural disasters declared since 1953, most often severe storms and winter storms.
Around Clay

Clay and the towns around it

Carmel: Moderate, mostly inland floodingDelaware: Low, mostly inland floodingFishers: Moderate, mostly inland floodingZionsville: Low, mostly inland floodingWestfield Washington: Low, mostly inland floodingWashington: Moderate, mostly inland floodingIndianapolis: no dataNoblesville: Moderate, mostly inland floodingNoblesville: Moderate, mostly inland floodingWestfield: Low, mostly inland floodingFall Creek: Moderate, mostly inland floodingLawrence: Low, mostly inland floodingMcCordsville: Low, mostly inland floodingVernon: Low, mostly inland floodingFortville: Low, mostly inland floodingWhitestown: Low, mostly inland floodingPerry: Very low, mostly inland floodingWorth: Low, mostly inland floodingPike: Moderate, mostly inland floodingLebanon: High, mostly inland floodingHarrison: Very low, mostly inland floodingMarion: Moderate, mostly inland floodingBrown: High, mostly inland floodingCenter: Low, mostly inland floodingSheridan: Moderate, mostly inland floodingCenter: Moderate, mostly inland floodingWayne: Moderate, mostly inland floodingLawrence: Low, mostly inland floodingFranklin: Low, mostly inland floodingPerry: Moderate, mostly inland floodingDecatur: Low, mostly inland floodingWarren: Low, mostly inland floodingWayne: Moderate, mostly inland floodingWhite River: Moderate, mostly inland floodingJackson: Low, mostly inland floodingClay: Moderate, mostly inland flooding ClayCarmelDelawareFishersZionsvilleWestfield WashingtonWashingtonIndianapolisNoblesvilleNoblesville
Very lowLowModerateHighVery high
Noblesvillemostly inland floodingModerate
Noblesvillemostly inland floodingModerate
Washingtonmostly inland floodingModerate
Claymostly inland floodingModerate
Carmelmostly inland floodingModerate
Fishersmostly inland floodingModerate
Westfield Washingtonmostly inland floodingLow
Zionsvillemostly inland floodingLow
Delawaremostly 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 covers 19 census tracts, combined by population.
Money that reached townFlood claims are matched to Clay’s own flood-insurance community (here, the census tracts inside it); 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.

FEMA’s expected losses across Clay total about $41.8M a year, counting buildings, people and crops.

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.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/15 · 2025-01-01
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