Natural hazards · Clayton

Clayton, IN natural hazards

Most of the natural-hazard damage FEMA expects in Clayton comes from inland flooding, and overall the risk is low for a U.S. community. 5 federal disasters brought FEMA money into town.

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

Expected damage

How exposed is Clayton?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Clayton to be higher than in 28% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding50%Tornadoes17%Cold waves9%Earthquakes7%Hail5%Everything else11%

By hazard

What Clayton faces

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

Inland flooding

50% of expected damage

Below average · higher than 35% of U.S. places

Recorded about once a year in the area

Tornadoes

17% of expected damage

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

Recorded about once every 26 years in the area

Cold waves

9% of expected damage

Above average · higher than 56% of U.S. places

Recorded about 3 times a year in the area

Earthquakes

7% of expected damage

Above average · higher than 72% of U.S. places

Hail

5% of expected damage

Well above average · higher than 85% of U.S. places

Recorded about 4 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireLandslidesStrong 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 Clayton flood?

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

of homes in flood zones
are insured

of all homes
are insured

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

Insurance rates: Hendricks County.

Disasters that hit Clayton

5 federal disasters brought FEMA money here

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

Brought FEMA money into ClaytonDeclared for Hendricks County only

2008

Severe Storms, Flooding, and Tornadoes

1 household applied for aid $2K to the Town of Clayton for repairs

2007

Snow

$2K to the Town of Clayton for repairs

2005

Severe Winter Storms and Flooding

1 household applied for aid $2K aid approved

2004

Severe Storms, Tornadoes, and Flooding

4 households applied for aid $2K aid approved

2003

Severe Storms, Tornadoes, and Flooding

4 households applied for aid $7K aid approved

Hendricks County has had 12 natural disasters declared since 1953, most often severe storms and winter 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. Clayton 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 Clayton’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Town of Clayton. 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.

Clayton, IN natural hazards

How exposed is Clayton?

What Clayton faces

Inland flooding

Tornadoes

Cold waves

Earthquakes

Hail

Lower here

Not a risk here

Does Clayton flood?

5 federal disasters brought FEMA money here

Severe Storms, Flooding, and Tornadoes

Snow

Severe Winter Storms and Flooding

Severe Storms, Tornadoes, and Flooding

Severe Storms, Tornadoes, and Flooding

How to read this page

Where to, neighbor?

Matches

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